davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I have fallen victim to a widely reported scam targeting XXXX  XXXX XXXX customers using the XXXX  money transfer service. {$3100.00} was stolen from me. The scammers were impersonating XXXX XXXX XXXX customer service, spoofed the XXXX XXXX Customer Service number , and knew various account details with XXXX. Upon reporting the scam to XXXX  XXXX XXXX I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by XXXX. The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). Neither the police, XXXX  XXXX XXXX, or XXXX XXXX XXXX XXXX have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California XXXX via the " XXXX  XXXX '' app. No one from the California XXXX office has returned my calls or e-mails. Recently I was contacted by XXXX notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of scam.
Consumer complaint received 2019-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

There are 4 parties involved. 
1. XXXX XXXX, XXXX of XXXX XXXX. 
2.Paypal 3 . XXXX XXXX XXXX financial institute which PayPal wouldn't disclose to me 4. Me the victim Paypal is the platform allowed this fraud to happen. 

XXXX XXXX 's signed lease for her company XXXX XXXX to rent my rental house. They use PayPal account XXXX to pay me rent via Paypal 's " friends and family '' category. 

After about 2 years, XXXX stoped paying rent XX/XX/2019. Eviction was filed and XX/XX/2019 county sheriff dept. performed the eviction restored the house back to me. 
Lease, writ, sheriff notice of restoration all available upon request. 

XX/XX/2019 XXXX XXXX filed dispute via Paypal to refund the XX/XX/XXXX. rent  {$2600.00}. 
PayPal immediately refunded to XXXX and made my account negative. 

I called PayPal and was told PayPal DOES NOT review this type of case even tho they claim they would. All PayPal would do is to forward my supporting documents to XXXX 's financial institute ( probably her credit card company ) which takes no interest in me and let them decide. The decision made by XXXX XXXX 's financial institute could be very biased against me! 
PayPal refuse to disclosed the name of XXXX XXXX financial institute. 

This is a financial crime committed by XXXX XXXX and her company XXXX XXXX Paypal allowed it to happen without even reviewing the case.
Consumer complaint received 2019-02-03
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: Credit Karma (NY)

I just wanted to start building my credit. I applied for credit cards and I always get declined. Someone told me go on credit karma and to check my credit score. While Im looking on XXXX XXXX its abunch of hard inquiries and things I had no part of. Its things in my name and I had no idea. I dont own a home. I dont own a car. These things is stopping me from owning anything at this point an thats not right!
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I don't recall having a contractual relationship with this collection company TRANSWORLD SYSTEMS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (WA)

At the beginning of XXXX I disputed a collection account through XXXX XXXX  for Southwest Credit Systems trying to collect a debt that's over 8 years old from XXXX for {$830.00}. After disputing it, the company started calling my phone from clandestine numbers appearing to come from XXXX WA. but were actually originating from Texas. They would call multiple times a day and never leave a message. I decided to answer it one day and got a message from Southwest Credit Systems trying to collect a debt. They started calling my boyfriend phone multiple times a day ( A violation of The Fair Debt Collection Practices Act ). He would block the number and they would continue to call from different variations of the same number. They are not licensed to operate in the State of Washington, they have never attempted to contact me or send proof of debt. This is a zombie debt, or time barred debt. In the state of Washington the statute of limitations is 6 years. I have not had XXXX since 2013. This debt was sold to Southwest Credit Systems in an attempt to revive it and I dispute it. Especially when they feel free to violate the FDCPA. If you look at their profile under the XXXX  they have over 383 complaints. Naturally a collection agency will have complaints, but many are the same allegations from this unscrupulous company. I contacted XXXX and this debt is not on their records and in fact I'm eligible for another account if I wanted to. I ask that Southwest Credit Systems and other companies like them be investigated for their collection practices and violations of the FDCPA. I would like this company to remove whatever information they have about me or my boyfriend and delete this debt. I also contacted the state ATG in the state of Texas where this company allegedly resides about this company as well as the WA state ATG, the XXXX  and other appropriate entities.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

I was the victim of a job employment scam in which the perpetrator used false identities and 2 stolen bank accounts from XXXX XXXX in order to overcharge my credit cards for merchandise. 

I have provided police reports, IC3 reports, I have provided statements to the FBI as well as the Secret Service in cooperation to resolve the matter.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE ()

Please see complaint # XXXX that was closed when Barclays claimed to have refunded the charges and closed the account. 

I am now receiving statements with charges once again. 

Balance as of XXXX XX/XX/XXXX is {$160.00} ; how is it possible to get this company to do the right thing? 


Thank you, XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (GA)

On Tuesday XX/XX/XXXX I received a promotional email from Lowes Credit Service via synchrony bank advising that if I used my Lowes Credit Card I would receive a XXXX percent rebate versus the normal XXXX percent in store rebate. I used this card for purchase order number XXXX for a range and observed the cashier scan the code during checkout. After returning home I looked at the receipt and it did not show a XXXX percent discount only XXXX percent. I cancelled the order and attempted a similar transaction online using the same code and received an invalid code notice. I returned to the store and was advised to call XXXX XXXX who in turn advised me to call Lowes Credit Services as this was their promotion. After XXXX minute on the phone the customer service representative said I needed to go back to the store and attempt the same transaction and then advise them what the error code was when they attempted the transaction. I advised them that there was no error code when I personally witnessed the first transaction and that still doesn't explain why the attempted online transaction gave me an invalid code when I entered the digital information. By way of background I received one of these promotional emails earlier this year in XX/XX/2022 and did not receive the percent rebate during checkout and after a lengthy discussion with the cashier and onsite store manager in XXXX, Georgia I cancelled the transaction. In my estimation Lowes Credit Services via Synchrony Bank is conducting a bait and switch fraud on consumers.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TIDEWATER FINANCE COMPANY, INC. (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (TN)

In accordance with the fair credit reporting act XXXX account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-27
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. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MO)

see below letter dated XXXX to Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX TUESDAY XX/XX/XXXX United States Mail XXXX XXXX ( XXXX fax confirmation dated XXXX Mortgage Assistance Application Sent ) Fax XXXX ( XXXX fax confirmation dated XXXX Mortgage Assistance Application Sent ) Phone XXXX XXXX XXXX, XXXX and Managing XXXX Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, CO XXXX Regarding : XXXX MORTGAGE ASSISTANCE XXXX forbearance approval and XXXX money request. Hardship began XX/XX/XXXX. 
Third mortgage assistance application sent to Specialized Loan Servicing XXXX Property location at XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX held the mortgage note in XXXX and XXXX Specialized Loan Servicing my loan on and after XX/XX/XXXX XXXX Loan # XXXX balance about $ XXXX as of XX/XX/XXXX XXXX XXXX of Specialized Loan Servicing : Enclosed please find the following documents : XXXX. XXXX XXXX faxed to XXXX, XXXX XXXX XXXX, XXXX XXXX, CO XXXX ; XXXX. XXXX Completed Mortgage Assistance Application on XXXX form XXXX ; XXXX. XXXX Unemployment Hardship Affidavit of XXXX XXXX. 

I filed a XX/XX/XXXX Consumer Financial Protection Bureau Complaint # XXXX in about XX/XX/XXXX against XXXX and/or Specialized Loan Servicing. You began servicing my mortgage in about XXXX and I was adversely affected. If I am eligible for financial compensation from the XX/XX/XXXX settlement that SLS made with the CFPB please let me know because I did not receive any compensation. Thank you for promptly approving my Mortgage Assistance Application request for a 36 month forbearance starting XX/XX/XXXX due to an Unemployment Hardship that began XX/XX/XXXX. Although my XXXX application was already faxed to you twice today, I am placing this letter with the enclosures in the United States mail today. The mortgage assistance application dated XXXX on XXXX Form XXXX supersedes all previously submitted requests for mortgage assistance. 

Today I am unemployed. Please review the enclosures itemized above. Thank you for approving the XXXXmonth forbearance requested in item # XXXX above due to an unemployment hardship caused by XXXX XXXX. Thank you in advance for wiring money due me from the CFPB settlement to my bank account. 

Sincerely, XXXX XXXX Enclosure : XXXX Mortgage Assistance Application dated XXXX forbearance requested Affidavit of XXXX XXXX Unemployment Hardship dated XX/XX/XXXX 2022
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. 


There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. 


These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in XXXX violating my federally protected consumer rights. Additionally, I did NOT give XXXX  written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. 

I was the victim of a scam and I'm still having trouble because of that.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (CA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA I demand the following inquiries be deleted immediately : XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 2022
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2018-02-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Working with XXXX asked for an appraisal to remove PMI, they informed me that my PMI is locked in for 30 years? 

Loan Number XXXX Next Payment Due Date XX/XX/XXXX Next Payment Amount {$1900.00} Property Address XXXX XXXX XXXX XXXX, FL XXXX Loan Type FHA RESIDENTIAL Original Principal Balance {$270000.00} Origination Date XX/XX/XXXX Original Term 360 months Current Principal Balance {$260000.00} Loan Maturity Date XX/XX/XXXX Remaining Term 326 months
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This account is apart of the XXXX XXXX Data Breach. I am a party of the settlement. This information was obtained in the course of the Data Breach by Portfolio Recovery. Portfolio Recovery is reporting and falsely claiming this credit transaction is a debt due. Portfolio Recovery Solutions has provided documentation it may have obtained in the XXXX XXXX Data Breach. As this was a Secured Credit Transaction the amount claimed as owed is inaccurate and false. A deposit was required to obtain a extension of credit which was expressed that it covered any failed payments. In light of XXXX XXXX 's error to inform me, I made a uniformed decision on when I entered this consumer credit transaction. There is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. XXXX XXXX and Portfolio Recovery Solutions are in violation of Title 15 Chapter 41, 15 USC 1602.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The debt was charged off by BANK OF AMERICA in XXXX and now there suing me for something that according to the IRS a 1099C must be filed and send a copy when they do so for a debt of {$600.00} or more as a canceled debt. This came from the IRS Publication XXXX.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXXXXXX XXXX and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called Equifax several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has 10 missed payments XXXX has 10 missed payments XXXX XXXX has 8 late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX XXXX Bankruptcy Court