davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TSC Accounts Receivable Solutions (CA)

TSC Account Receivables is reporting a collection account on my credit files that is not mine. This account was opened fraudulently and is causing great harm to my credit score. I have never conducted business with this company or the company that sold this debt. TSC Account Receivables has never tried to communicated with me about this fraudulent account. DOB : XX/XX/1988 ; XXXX Account : XXXX {$360.00}
Consumer complaint received 2022-04-20
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. (MD)

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX with account number XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (MD)

I filed complaints with the credit bureaus regarding several concerns on my credit reports in the past. I've had identity theft several times in the past in which I submitted letters stating to contact me directly on XXXX in the event there is credit being pulled in my name without my consent. I have obtained about 20 or more inquiries with no creditor reaching out to me to verify, that it is me requesting credit. 

I want all of these issues resolved and inquiries removed from all 3 of my credit bureaus reports. Why should I constantly have to mail letters regarding this if I have a fraud alert on my report with my phone number to be contacted and it's still not being done, but my credit is being pulled without my acknowledgment.?? 
I request immediate resolve to the unauthorized credit inquiries and credit sought out in my name removed. 

XXXX XXXX Experian
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (OH)

I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX. I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed complaints with the credit bureaus regarding several concerns on my credit reports in the past. I've had identity theft several times in the past in which I submitted letters stating to contact me directly on XXXX in the event there is credit being pulled in my name without my consent. I have obtained about 20 or more inquiries with no creditor reaching out to me to verify, that it is me requesting credit. 

I want all of these issues resolved and inquiries removed from all 3 of my credit bureaus reports. Why should I constantly have to mail letters regarding this if I have a fraud alert on my report with my phone number to be contacted and it's still not being done, but my credit is being pulled without my acknowledgment.?? 
I request immediate resolve to the unauthorized credit inquiries and credit sought out in my name removed. 

XXXX Transunion XXXX
Consumer complaint received 2019-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MO)

diversified consultants are lying about dates and amounts owed to XXXX XXXX XXXX  it is still a negative on my credit. i have supporting documents that XXXX XXXX XXXX owed ME money and paid it. we are square and i have the paper work to prove it. yet these head hunters somehow keep it on my credit by renewing and fraduantly changing the dates and amounts
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I received an offer to apply for a Citibank CitiGold Checking Account, with a sign-up bonus offer of XXXX XXXX XXXX miles after completion of the terms ( a direct deposit, 2 monthly bill payments, etc ). I completed the terms of the offer. I sent a message asking to confirm completion of terms and when to expect the miles. I was assured that I completed the offer and I would receive the miles on XXXX/XXXX/06. On XXXX I sent a message to make sure the miles would post as promised, only to receive a reply that I was not eligible for the offer and therefore would not receive the bonus points. I am not satisfied with this. I have evidence of the terms of the offer I signed up for, a message from Citi acknowledging that i was 1 ) eligible 2 ) have completed the terms and 3 ) should expect to receive the bonus. I would appreciate your assistance with this matter!
Consumer complaint received 2022-04-20
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 — Problem with personal statement of dispute
Company: World Acceptance Corporation (GA)

I'm an Federally Protected CONSUMER! YALL ARE IN VIOLATOIN OF MY RIGHTS You are XXXX XXXX on NOTICE Pending Further Counsel! I've Sent several Validation letters an Verification letters. World Acceptance Corporation are in violation of Federal Laws as the Follows Per FDCPA and Privacy Violations also Fair and Accurate reporting. I DO NOT OWE THE ALLEGED DEBT!!!! The Debt Collection is also outside of the Statute for Collecting on the Debt and has been Charged off " XX/XX/2018 '' Acct # XXXX and they keep Reupdating the balance which is Fraudulent and very Deceptive See Attachments for Dates. As far as I know I didn't give them permission to communicate with Third Parties under 15 USC 1692 ( a ) ( b ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I am really offended that they want Settlement arrangement 's after Stating they Written off the debt that unfair Provide me Original Copies of Agreement 's. under 15 U.S. Code 1692e ( 10 ) - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. what that means is Saying I owe Something I don't per HJR- 192 this is an Obligation of the United States ! no one has been able to pay a Debt. I'm demanding the Removal of these duplicate Accounts and any information there of, I DONT OWE WORLD ACCEPTANCE NOR DO I OWE ANY DEBT DELETE THE FOLLOWING ACCOUNTS SEE ATTACHED
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Consumer complaint received 2022-04-20
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: CLGF Holdco 1, LLC (TX)

I have contacted XXXX regarding fraudulent inquiries on my report. I sent a certified letter requesting removal of these items. XXXX has confirmed receipt but told me I need to file a police report and refused to assist with the removal of the inquiries. My letter to them was sent to them 6 or more months ago and I would like this addressed immediately. Thank you.
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (NY)

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. 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam. 

A recent review of my credit report turned up information that is inaccurate. Please refer to the attached report, where I have circled the item ( s ). Please remove the below addressed and employment history from my credit report. 

Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX Employment : XXXX XXXX XXXX XXXX XXXX Please investigate these matters and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (OH)

I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX. I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete
Consumer complaint received 2022-04-20
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. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-04-20
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 ()

I received an email from PayPal stating that I can not use my account anymore on XX/XX/2022 because of " risk in doing business with me '' even though I am sure that I did not violate any of the agreements and rules in using Paypal after revising their conditions on their website, and so I assume this is a mistake. I tried reaching customer service but unfortunately they were not helpful at all. This is affecting me significantly since I have been using Paypal frequently and my money is stored in there. I am placing this complaint in hopes of getting my account back restored and allowing me to access it. My email linked to my Paypal account is XXXX XXXX
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

From XXXX to XX/XX/2018 the lender, in 19 telephone calls, lied 18 times. They told the truth in call 19. They were pretending to entertain the possibility of loan modification. This was false, they admitted on the 19th call. I then sold the house in XXXX. They were told this and refused to cooperate with a payoff amount for four months. then they foreclosed on XX/XX/2018.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Claim # XXXX BofA edd prepaid card. I have filled Fraud claims 3 times back in XXXX. For no reason claims were denied within days of submission. In XX/XX/XXXX my claim was reopened and was told it takes 45 days. I called several times to check status was told it going to take longer the rep. Had escalated my case to a manager about. 2 weeks ago. Called today spoke to the claims rep at BofA he said the case has not been touched and noone answered to the escalation. XXXX the rep. Escalated the case again today and advised me to email you and seek your assistance. The rep reviewed my claim and saw that it is legitimate and the fraud charges that wiped my edd benefit is all documented and yet noone has done anything to fix it at BofA since XXXX. Please help me. Thank you. My email is XXXX. your assistance is greatly appreciated
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (TX)

I started working on my credit my few years ago and I noticed my score was really low. Due to student loans from the DeptEd. I have not attended any School to accumulate student loans. There are also XXXX  diffferent Loan Amounts associated with the account that started XX/XX/2012. The Accounts XXXX reporting are [ DeptEdNelNet, Account number : XXXX, Amounts : XXXX / XXXX / XXXX / XXXX ] [ XXXX, Account number : XXXX, Amount : XXXX ]. the inaccurate and incomplete are hurting my livelihood and causing me not to be able to get funding or Job. I request that these accounts be deleted.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Bay Area Credit Service refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2015-09-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Green Square Company LLC. (TN)

I have received several calls on my cell phone and at my work number from XXXX, with messages stating that a complaint has been filed with their company, Premier Recovery Group, under my name and social security number. I returned the call, using my personal cell phone, at XXXX XXXX. on Thursday, XXXX/XXXX/2015. I spoke with XXXX XXXX XXXX. I asked for a debt validation letter be sent to my home address, and I told her that they are not to contact me at work. XXXX XXXX said, " We 'll continue to contact you as long as you owe this debt. '' Then, XXXX XXXX hung up on me. I received another call today, Friday, XXXX XXXX, 2015, at XXXX XXXX from the same XXXX number, with the same message, at work, even though I instructed XXXX XXXX the day before not to contact me at work.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (MD)

I have tried to get support beyond the XXXX help desk because I'm getting the same answer. They are refusing to do so. And any escalation requests are being closed out. 

I was scammed through an XXXX contract and have tried to get my account unlocked but being told that I have to remove the chargeback from the scammers cards ( they are not my cards and are not on the Google pay account any more ) I took a contract through XXXX for a XXXX XXXX to test an app 's micro transactions. After completing the test the cards were removed from my account. Google pay asked for verification of the cards used but since not mine I responded with my driver 's license and explained the issue Was told that my account was suspended until the chargebacks were removed. ( Which seems incorrect because what happened amounts to a scam ) I tried to contact the developer but my previous conversation was removed by XXXX. After completing the contract the developer was banned for shady business practices by XXXX. XXXX is not willing to help since they banned the company. The developer also did chargebacks on the purchases done in their app ( I didn't receive the purchases, it was done while logged into their account and then I was logged out ) I have asked to Google pay to removed the suspension and for a supervisor and both times have been denied. I am instead given the cookie cutter reasons that I need to provide verification and that I need to remove the chargebacks
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

Do to this recent derogatory mark on my XXXX credit report iam unable to apply for a auto loan this was reported on my credit XX/XX/2022 this is a result of identity theft I would sincerely appreciate for this to be removed and deleted from my credit immediately
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (IN)

According to Indiana Small loan laws, Payday loan providers are required to offer an extended payment plan on the third, 4th, or 5th consecutive loan. It is even stated in the contract. I am on my 3rd consecutive loan and asked for an EPP. I was told I was not eligible until my 4th consecutive loan. I tried speaking with a manager and was told to file a complaint because there was nothing they could do.
Consumer complaint received 2019-06-26
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. (FL)

Some one has use my social security and got school loans from the Dept of Education/ XXXX . I contacted them about this. They been giving me a run around.It been over 5 years. They never respond.
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (LA)

World Finance is reporting this account negatively on my XXXX and XXXX Credit consumer file. I reported this account to the Federal Trade Commission on XX/XX/2021 and this account is currently reporting still on my file. This account was listed 3 different times and they have only removed on of them so far. Two accounts remain.

Under 15 U.S. Code 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? No I NEVER GAVE CONSENT Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation ... ... ... ... of 15 USC 1681b. 

I will be seeking damages against XXXX in the amount of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681b violations for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]