davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

PHOENIX FINANCIAL SERV AT XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1500.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-10-11
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. (OH)

This account XXXX XXXX XXXX and Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation and the method of how they validated multiple inaccurate items on my credit report.The credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Loan taken out through credit acceptance in XXXX of 2017 has been charged off or sold to another company XXXX XXXX and XXXX XXXX account remains open on my credit report through Credit Acceptance and does not reflect that it is now in collections showing continuous missed payments. 

XXXX was in an accident and debt should be cleared after given gap insurance but I was forced to take warranty on car causing an extra fee added to account.
Consumer complaint received 2021-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

This Complaint was completed by XXXX XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15USC 1692 a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. UCC 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. Under The UCC, USC, FAR, CFR and regulations. Navient committed known fraud I do not have any legal agreement contract of any sort with 2 signatures and or a bonding agent or registered agent representing this entity and or 3rd party. No registering or bonding agent was present from either side to legally bind this agreement. Furthermore I asked for the company to validate the debt 15 USC 1692 ( g ) it is any consumers rights to ask the validity of a debt with specific questions they did not answer or complete any portion of the forms sent. I the consumer XXXX XXXX also sent an Affidavit Of Truth that has multiple infractions and violations in which can only be rebutted line by line by the opposing party. Navient failed to do so. I demanded remedy for laws regulations and codes that were violated. The company sent back all the CONSUMER 's materials back to the consumer without completion. This company has defaulted and now refuses to solve this matter. The company stated they do not and are not obligated to follow any Laws or codes of any type including FAR, UCC, USC, FCRA, FDCPA, TILA etc. I have more documents and exhibits of the other governing laws codes and regulations Navient has violated. I demand They zero out balance and report to CRA ( Credit Reporting Agency ) That the account is a zero balance and paid off in good standing immediately.
Consumer complaint received 2021-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/XXXX Today is XX/XX/XXXX and I have not received no response back from the credit bureau.
Consumer complaint received 2021-10-11
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: CITIBANK, N.A. (CA)

My name is XXXX XXXX XXXX. On XXXX, location : XXXX, XXXX XXXX I went to withdraw some money from a XXXX XXXX, I used my Citibank debit card, and the ATMs were out of service, and as I was living someone stole my card and somehow my PIN was compromised during the transaction. As soon as I realized that it was gone I blocked it immediately, but by the time someone had already used it three times. I reported it immediately to Citibank as fraud and that the charges were not authorized by me. They told me they would issued me a new debit card, and will investigate the matter that it can take up to 90 days to resolve. The transactions in question occurred on XXXX. 1st {$810.00} at XXXX. The 2nd {$110.00} at XXXX, both of these transactions occurred at a non-Citibank ATM XXXX . 3rd {$49.00} at XXXX, they gave me credit for this charge while the other two were pending. On a letter dated XX/XX/XXXXthey told me it they were reviewing it. And on a letter dated XXXX they denied me giving credit for the first two, and essentially calling me a liar about how the transactions happened. More than 90 days on XX/XX/XXXXI called them to find out the results of the investigation and he basically told me to see the letter on XXXX. I believe the investigation was bias, they made me wait 90 days, for what reason? I do not know, theyve got the amounts wrong according to my XXXX monthly statement statement, I feel their investigation was a sham, and it shouldnt happen to anyone else.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

This creditor XXXX XXXXXXXX XXXX is still violating my rights to privacy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states a consumer reporting agency can not furnish a account without my written consent, I do not owe XXXX XXXXXXXX XXXX ANY Money and I demand that they provide actual validation with my WRITTEN CONSENT STATING I OWE THEM AND THST I GAVE THEM PERMISSION TO VIOLATE MY RIGHTS TO PRIVACY I also demand a copy of the contract binding both parties ( XXXX XXXX XXXX & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX XXXX XXXX  within 5 days as listed in the terms of the the consumer book! kind regards!
Consumer complaint received 2021-10-12
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)

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-10-12
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: NAVY FEDERAL CREDIT UNION (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-10-12
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. (TX)

Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

In the month of XX/XX/2020 my child under age XXXX received a card for XXXX dollars. They have a XXXX XXXX which they use and he asked his grandmother for a card to purchase add-ons to a video game he plays with friends.He used the card to purchase something. He then made numerous charges over the period of weeks thinking that the prepaid card was allowing him to make these purchases. Unknowingly, that they were charging my credit card which was stored on the system. 
I was unaware that these charges until I received my credit statement. They were never authorized or given any permission to make charges to my card. The charges added up to over XXXX dollars and my credit card company Chase also refuses to help me. They are also at fault here. They should have realized that no adult in there right mind would spend over XXXX XXXX dollars in a short period of time to a video gaming system. Terrible consumer protection as far as I am concerned. 
XXXX refuses to help me. Chase also refuses to help. Chase maintains that I " benefited '' from the unauthorized purchases and playstation maintains they delivered the product as asked.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (SC)

I have advised all debtors that I was unemployed for 7 months in XXXX. Started a new job XX/XX/XXXX with decrease in annual salary for two years and was recently terminated in XX/XX/XXXX. I notified all current debtors and attempted to work out some alternative regarding making payments in which a couple agreed others wanted me to pay debt in full regardless. I just started a new job two weeks ago. I have no idea of who Enhanced Recovery or ERC is I am only aware of the name by the caller ID on my phone. I receive several phone calls daily by ERC or Enhanced Recovery every day Monday to Saturday they call multiple times per day from different numbers and states but leave one voicemail threatening to complete wage garnishment papers under my name and social security number and place a lien on my checking account if I dont contact them.
Consumer complaint received 2021-01-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rocket Mortgage, LLC (CA)

For some reasons, my mortgage was transferred from Quicken Loan to XXXX XXXX XXXX on XX/XX/2020. My bank account was charged that month by both companies ( Quicken Loan and XXXX XXXX XXXX ) as they couldn't manage to properly cary over the automatic paiement settings that was in place. That created lots of confusions around the status on my paiements and XXXX XXXX XXXX opened an investigation that is still pending. 
While we are all waiting on the result of that investigation, they keep reporting a debt on my account which hurt my credit very badly, affecting my family and my business reputation.
Consumer complaint received 2022-10-09
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 (GA)

Paypal refuses to close my Paypal account and provide me assistance with closing my account. I called Paypal on XX/XX/2022 twice, once at approximately XXXX and again, XXXX. I got hung up on two times and had to call back.

I called to request to close my account both times and I was told that I have a pending crypto balance in my Paypal account and this is the reason I could not close my account, However, both times when allegedly transferring me to the Cryto department of Paypal to assist with closing the PayPal account, I was hung up on.

Thus, I am unable to close my Paypal account and unable to close my crypto account with Paypal.
Consumer complaint received 2021-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MARINER FINANCE, LLC (OH)

On or about XX/XX/XXXX of 2021 I had given XXXX XXXX right to request for my credit report and score to qualify to finance 12 windows for my home and was approved that day. I never received a copy of that information required by the FCRA. ( Please review attached text message and photo copy of hard inquiry dated on XX/XX/2021 ) On XX/XX/2021 and XX/XX/2021 Mariner Finance also requested my credit report and score which is associated with XXXX XXXX regarding their loan approval for financing. ( Please review attached photo copy of the inquiry requested on two occasion with the Credit Bureau ) I also never received a copy of the information required by the FCRA.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After reviewing my credit report I found inaccurate information on my credit report from Transunion, XXXX, and XXXX each bureau reports are different. Under FCRA credit reporting should be validated and reported accurate and in this case that hasnt been done. Ive sent certificated mail disputing these issues and nothing has changed. I will include the certified stubs as well as the exhibit I have regarding this matter..
Consumer complaint received 2021-10-11
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. (LA)

Last year I filed my tax return and found that someone had already filed a fraudulent return acting as me. I called the IRS and was told to complete form XXXX4039 Identity Theft Affidavit and submit it to the Internal Revenue Identity Theft Department and I did. 
I was then told to contact all XXXX Credit Bureaus to see what other fraudulent activities that was illegally in my name. 
Because of our lockdown restrictions and severe loss due to Covid and now Hurricane Ida, where our homes have been destroyed and need full restoration I have been beyond busy. In addition, I am a sole provider for my family. I am taking care of my sick XXXX mother and XXXX. However, I have just settled to begin reviewing all of my accounts and found that I have numerous inquiries and accounts from someone illegally trying to get credit in my name. 
I began immediately disputing them with help from XXXX and XXXX, but TransUnion stated they could not help me with the process over the phone. They stated I needed to send in multiple letters and other information. 
I have no idea why they wouldn't help someone in such a horrible position, but they would not even start the process without me sending in multiple forms of documentation. That was infuriating, especially when my co-worker had her inquiries removed over the phone a couple of days ago, but they demanded I do multiple tasks before they even input the reasoning for my call, and they kept me on the phone almost a hour to only tell me write down a list of things I needed to do in order to update information.However, I am accustomed to unfair treatment at this particular time in my life, but it is still unfair and unethical. However, I have notice that there are items on my credit reports that do not belong to me, some I have never noticed, therefore I would like to begin the process to having it removed with the assistance of the credit bureaus. This is unbelievable that people would use your identity fraudulently and leave me in a bad place. This have taught me to not share so much of my personal information over the internet on open websites, because that's where my information have been stolen and through big creditors data leaks. I have been the victim of several data leaks. I have received multiple letters stating that my name and information was listed in a data leak. I am now extra careful on where my information is displayed, used and stored.
Consumer complaint received 2021-10-11
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: YSA ARM LLC DBA Oxygen XL (FL)

XXXX XXXX I mailed a certified dispute letter to Oxygen XL and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 10 complaints on XXXX they also have 5 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Consumer complaint received 2021-10-12
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: Frontline Asset Strategies, LLC (GA)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Frontline, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Consumer complaint received 2021-10-12
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: WELLS FARGO & COMPANY (VA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.