davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
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. (TX)

XXXX XXXX XXXX SUnder Dispute XXXX XXXX XXXX SDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXX. 

all ftc violations The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Fair Credit Reporting Act ( FCRA ) is a federal law that  regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

all the information are ftc violations
Consumer complaint received 2022-12-31
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. (GA)

I am delighted for your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 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 2022-12-31
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. (GA)

I am delighted for your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2024-04-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (IA)

I have filed a complaint with XXXX XXXX  concearning my complaint against XXXX XXXX XXXX phone number XXXX x XXXX ( XXXX XXXX XXXX XXXX, suit XXXX XXXX XXXX XXXX XXXX of the over payment of {$1300.00} that was made on XX/XX/year> of my complaint and was asignned case number XXXX with XXXX  XXXX. XXXX XXXX falsely charged my credit card account {$2900.00} which only {$1600.00} was due to PayPal which included {$240.00} that PayPal withdrew from my bank account and failed to give a credit on PayPal statement. 

I have request the tape conversation that XXXX XXXX made during the phone conversation of XXXX in collecting the debt for PayPal. XXXX stated that no interest or penalties would apply if I would pay what was charged on PayPal account that day. 

XXXX failed to give any receipt of the charge from my credit card or any statement what was due. 

I have requested XXXX XXXX only to pay XXXX XXXX to pay the undisputed amount of {$1600.00}. So far XXXX XXXX has failed to only pay the undistputed amount.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (TX)

Eastern Account System were contacted on numerous occasions with information stating the account doesn't belong to me. I have a letter from XXXX XXXX that states this, but Eastern Account System continue to place this negative report on my credit. I've been fighting / disputing this company for months now.
Consumer complaint received 2022-08-17
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2019-12-30
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$230.00} -This is not my account.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I purchased shirts from XXXX XXXX, the shirt got stuck at their regional postal office due to a chemical spill, the vendor and I did not have knowledge of this. I filed a dispute with PayPal I received a temporary credit. When I finally received the shirt I returned them due to chemical exposure. The vendor refunded my money in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX  realized I had received 2 refunded and made an adjustment to XXXX XXXX  balance. PayPal has placed a - {$77.00} on my account stating a decision in their investigation ruled in favor of the vendor. Today at XXXX I spoke with a supervisor and explained the above she stated their decision is final. I told her the vendor has the merchandise, she refunded my money, XXXX XXXX to back their temporary credit, so PayPal is forcing me to pay for something I dont have. I then asked for a manager she stated she was the highest and the decision is final. PayPal is trying to steal {$77.00} even though all documents are provided showing I owe nothing. Furthermore responding with agreement statement are not freeing them of theft.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coastal Settlement Recovery Inc. (OH)

I was contacted by a collections agency claiming to have purchased debts from XXXX, a company I have never signed up for or heard of. They claimed the charge was for some payment that didn't go through on my bank account 5 years ago and said they've been trying to get ahold of me. This is literally the first time I've heard of it ; they claim they've been sending mail to MY CHILDHOOD HOME ADDRESS, and are therefore " very disappointed ''. I asked why I was never told about this debt. They claimed the business who charged me would never have told me and there was no way for me to know ; they claimed it happened 5 years ago and they've attempted to mail my childhood home to tell me. Then, they went on to tell me the charge is for $ XXXX+. I've already paid my debts off around my life ; they are now telling me I have some ghost debt for $ XXXX+ of course, and when I went to the records to see the charge they claim spawned this whole thing " that I wouldn't have known of '', it was a receipt for {$15.00} on XX/XX/2016. 

I told them this is crazy ; I will not be paying $ XXXX+. The company is called Coastal Settlement Recovery or CSR for short, phone number XXXX Email address : secure@coastalsettlementrecovery.com coastalsettlementrecovery.com
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Solutions, LLC (KY) (NC)

I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.
Consumer complaint received 2022-03-26
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2020-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I contacted Capital One about a card being declined. Mind you, I waited on hold for 90 minutes just to get through. They said they had no record of the transaction being processed so it was most likely on the merchant 's end. I asked for proof of that so I could prove to the merchant that my bank had cleared the transaction. I had the rep spell out his name on the call, XXXX and his ID was XXXX. He told me an email with verification was coming soon. I told him I was checking and to wait while I checked my inbox. The call disconnected. After waiting all that time, the rep hung up on me in the middle of verifying he did as I asked ...? I was dumbfounded. 

I called my phone company, and tech support confirmed that the call was dropped on the bank 's end. As of now, a few hours later, no email. Was the representative fraud? Why was I treated this way?
Consumer complaint received 2020-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IN)

XX/XX/XXXX To whom it may concern, I'm filing this complaint against LoanCare LLC, in the hopes that you will demand that they correct their mistakes. I was approved for a trial payment plan on XX/XX/XXXX - my payments beginning XX/XX/XXXX and ending XX/XX/XXXX I made a courtesy call to them on XX/XX/XXXX and spoke with XXXX who told me that there was no such modification approval. That it was approved, but a supervisor overrode that determination, based on the fact that I had a modification completed in XXXX of XXXX LoanCare claims that Federal guidelines prohibit a homeowner from re-applying for assistance for 24 months. While that statute is, in fact, in place - it applies to loan modifications that are completed AFTER its implementation date which was in XXXX. MY modification was completed in XXXX Not only that, but, I have an FHA loan and the 24-month reapplication period does not apply at all. To make matters even more exasperated, I've spoken with Lawn Care five more times and was told each and every time that the file would be escalated and reviewed by management XX/XX/XXXX, XXXX - file escalated XX/XX/XXXX, XXXX - file escalated XX/XX/XXXX, XXXX XXXX - file escalated and Underwriting was directly contacted regarding this matter on XX/XX/XXXX XX/XX/XXXX, XXXX - no update XX/XX/XXXX, XXXX - no update XX/XX/XXXX, XXXX - no update/no record of modification approval on file It's painfully clear that LoanCare is intentionally deceiving me and these business practices most certainly violate Federal Servicing and Compliance guidelines. I'm asking that you step in and demand that they follow proper federal legal procedures regarding this modification. 

Thank you for your assistance with this and I'm available at the email address and phone number provided any time XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (GA)

Subject : Cease Unauthorized Credit Reporting in Accordance with Michigan FCRA Identity Theft Fraud Laws Dear Opps Loan, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 445.252, 445.254, and 445.255, the Michigan Identity Theft Protection Act under Sections 445.61 and 445.63, and identity theft fraud laws, specifically Michigan Penal Code Section 750.285.

It has unequivocally come to my attention that Opps Loan has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal and state laws, as outlined in the FCRA and the Michigan Identity Theft Protection Act, explicitly mandate that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 445.252.

In addition to federal law, Michigan state law, specifically Section 445.61 of the Michigan Identity Theft Protection Act, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 445.63 of the Michigan Identity Theft Protection Act establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Michigan Penal Code Section 750.285, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for Opps Loan to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that Opps Loan immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 445.252 of the FCRA and Sections 445.61 and 445.63 of the Michigan Identity Theft Protection Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Michigan state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that Opps Loan will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$27000.00}
Consumer complaint received 2020-04-14
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. (TX)

I was solicited by an XXXX XXXX XXXX employee to find promotional offers to lower my monthly phone and internet bills by someone who was going door to door. She was apparently a 3rd party vendor with access to XXXX & XXXX client information. She was able to view my accounts and make changes/order new services to my phone and internet account. Without authorization or my knowledge, the rep ordered additional services under my name which would later be reported to my social security number where I received two unauthorized credit inquiries. The rep said they would simply cancel the order after I told her I didnt want or need that. 

After speaking with XXXX XXXX XXXX they looked at the drivers license on file used to order and it was not even my drivers license number. The rep apparently put down bogus information along with my real info like my name and address, which I did provide. I never gave my social or authorization to run my credit nor order any services at all. The XXXX XXXX XXXX customer service agent said it did look like it was fraud and submitted a request to remove the inquiries on my credit and canceled all orders pending from that rep. According to them it would take 60-90 days and I have not seen any changes or have heard from anyone about any solutions. Both the fraud and the request to remove the inquiries by XXXX XXXX XXXX were done in XXXX.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've dispute items on my credit with experian on several occasions to advised them that XXXX should be removed as well as XXXX. XXXX keeps selling my information to different collection agency when the loan was settled and paid. The debt is over 8 years old and they keep reporting it as new. As, far as XXXX they have not yet to porivde any proof that i owe that amount of money when i wasn't in the apartment at the time they charge me all those charges and the collection is about 7 yrs old. Experian is really not for the people or investigating the necessary details.
Consumer complaint received 2021-06-17
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: Experian Information Solutions Inc. (IL)

After my last complaint against XXXX XXXX, I was able to enter the Covid Relief Protection plan. The plan stated that I would have 90 days where I would not have to pay anything so that I could get back on track. After the 90 day mark was up, I would have to pay the original amount of the monthly payment each month, within a 30 day timeframe. 
In other words, once I started paying the loan back XXXX XXXX ) I would have between XX/XX/XXXX and XX/XX/XXXX, without consequence, to make the payment. If I continued to make the payment as instructed, I would be allowed to stay on the plan. The plan does not stipulate that I need to make a payment arrangement and it does not say that I need to pay for any amount of the loan that is already in delinquent status while on the program. 
In XXXX, I began making the payments as instructed. Each month after the payment was made, I began getting up to 10 calls a day telling me that I needed to enter into a payment arrangement. When I informed the agent that I was on the Covid Relief plan, I was told that even though I was I needed to enter a payment arrangement to 1. get the delinquent amount caught up and 2 to make sure that I am paying " on time '' or I will continue to get calls. I was not informed that the company would continue to mark my credit as 120 days or more past due.

When you read the guidelines of the Covid Relief plan on their website, this is in total disregard to what the plan actually stipulates. 
I need assistance with getting this corrected. I am doing the best that I can, yet I am still being harassed, and I am still suffering under this company.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I got a discover it student card then applied for the discover chrome card got approved. They then closed my student card account with % 100 on time payment and a FICO score of XXXX. Also they closed the chrome discover it card. They have two closed accounts with discover and was wrongfully done. I would like the closed accounts not be on my credit account