davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-01-04
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

A dispute was accepted by a PayPal Credit customer service person. The amount was {$45.00} paid to XXXX via PayPal Credit . XXXX sent the wrong size. The order was sent back immediately upon receipt but I keep getting the run around from XXXX. 
The representative was given the tracking number for the return. I was advised that a dispute would be processed. However, on XX/XX/2021, PayPal sent me an email that the dispute was invalid because the purchase was not performed via PayPal/ Pay Pal Credit. The notification is a lie. Pay Pal Credit did process this payment. It appears that I maybe experiencing discrimination. PayPal Credit did pay XXXX for this order which has been returned and I am disputing via PayPal Credit.
Consumer complaint received 2021-09-15
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. (CA)

I the consumer XXXX XXXX, have been a victim of Identity theft and have fraudulent/unauthorized accounts showing up on my consumer report that originated from identity theft. I do not have any knowledge of these accounts and my information apparently was in the Equifax data breach. I have been reaching out trying to get this cleared up but haven't made any progress, when talking to the companies and the consumer reporting agencies. 15 usc 1681c-2 states that consumer reporting agencies must block and remove accounts related to identity theft, I have included FTC reports showing the accounts originated from identity theft.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX XXXX continues with their fraudulent activities regarding payments made to my account. The statement due date for XX/XX/2021 and XX/XX/2021 show a monthly payment not processed and past due. The information is incorrect and there are no monthly mortgage payments past due. Please correct these errors and update the online monthly statements. Please stop siphoning my payments for fraudulent use. 

The escrow balance is incorrect. The amount of {$1300.00} is not the correct amount that should be in escrow. Please do an escrow analysis from XX/XX/2021 to XX/XX/2021. Please stop siphoning my escrow payments for fraudulent use. Again, I am requesting that any unapplied payments should go to escrow. Please stop reporting inaccurate information on the account and correct it. 

If the payments and escrow have not been applied appropriately, that means the Outstanding Principal of {$64000.00} is incorrect. Please correct. 

Again, stop siphoning money from my account for your fraudulent use and keep my payments current.
Consumer complaint received 2021-01-04
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (MI)

I have multiple hard inquiries on my credit report. I did not authorize any of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (IA)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-04
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. (IA)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

Never been to this place! I have insurance and when contacting the company was told my middle initial was a XXXX! It is not! Also contacted XXXX  and told I couldnt remove said name because it was tied to a collection! I do not have a D in my name! This is affecting my credit! Also violating HIPAA rights!
Consumer complaint received 2021-01-04
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. (IA)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2021 our government stimulus payments were deposited in my husband 's bank account. He then used PayPal to transfer my portion to me, but neglected to notice that he had to specifically select " Friends and Family '' and it supposedly transferred as payment for goods ; consequently, PayPal deducted a fee for the transfer. I called PayPal and explained the situation and requested that they refund the fee as there was no exchange of goods. Paypal flatly refused, stating that they did not give refunds for fees regardless of the situation.

My husband is XXXX, on daily meds for XXXX  XXXX, and not tech-savvy. This is not the first time I have encountered this situation with Paypal, but it will be the last as I will no longer use it as a means of payment. I believe Paypal takes advantage of individuals who can not read or do not understand the fine print. They are less than helpful, bombastic, and unscrupulous.
Consumer complaint received 2021-09-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

these accounts that appear on my credit report do not belong to me, they are hurting me. 

BK OF AMER Account Number : XXXX This is not mine. 
Identity Theft BK OF AMER Account Number : 26 This is not mine.

2. Identity Theft BK OF AMER Account Number : 62 This is not mine.

3. Identity Theft BK OF AMER Account Number : 01 This is not mine.

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IC SYSTEMS would verify the debt. So I took it upon myself to ask IC SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

I contacted you all about problem with XXXX 's credit card, overcharging me. 
Since I have filed this complaint they are calling me leaving information about the cornavirus. They are leaving the same number I had called in the past when I could not get any assistance. Thats why i contact cfpb. Hoping to get answers as to why they are obviously stealing from their clients by offering promotions and in exchange overcharging. 

Its clearly theft in plain sight. I think many of their customers are elderly and I believe this is a form of XXXX XXXX XXXX. 

If they are sincere about addressing this abuse and I am sure there are many others they could at least respond with a contact person and name phone number and not pretend they are honestly reaching out. 

You all should take a closer look at their transactions with their customers, especially our XXXX XXXX. 

Thank you
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is stating I signed up for a product. Which I did, but I never received he goods. 
It was some aligners that I never received. 
I have proved I never received the service because my teeth are still messed up. 
The other one is some account with att I have no knowledge of. I currently have att so therefor I dont know what the problem is. TransUnion had deleted this items in the past and now they are back in my report. 
XXXX, refuse to update it and believes the reporting agencies
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (OH)

I received a fictitious email about my PayPal account sending money for an unauthorized phone purchase. The email and phone number for PayPal is not a legitimate number. I have heard of others in my area who have fallen victim to this scam. 
This is not through PayPal at all it is not affiliated with PayPal it is someone using PayPals registered trademark and name to scam people with a fake purchase. When you call the number associated to complain that you didnt authorize the purchase, they want you to send them cash cards or gift cards to Verify your identity so they can clear the supposed purchase. Additionally the email from ( XXXX XXXX at XXXX ) is probably fake or hacked by the scammer. Hope you can track this liquid waste and burn them til they turn into methane!
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (VA)

I have some fraudulent inquiries on my credit : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have reached out to XXXX  4 times with zero resolution! 

My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (OH)

I received, by USPS mail, a credit card that I did not request. When I called the phone number on the credit card to complain about the issue, I could not bypass the credit card activation process. I did not request this card and do not want it, and do not appreciate a solitation for a credit card that I can not decline. 

The card was received from USbank thru the USPS mail servce on Saturday, XX/XX/2011.
Consumer complaint received 2021-09-15
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. (FL)

To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.
Consumer complaint received 2021-09-15
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. (AL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet and it has been over 30 days. Please remove these inaccurate items that were originally disputed on the date above from my credit report.
Consumer complaint received 2021-09-15
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (TX)

I am not familiar with this account. I have contacted WESTLAKE FINANCIAL concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (NY)

On XX/XX/21 I received a voicemail from XXXX XXXX XXXX stating he was from Direct Recovery Services and my account number is XXXX and I could pay my debt online at www.directrecoveryservices.com, with a call back number of XXXX. I went to the website and put in the account number and it said it was not found. The website also list telephone number XXXX. I called XXXX, spoke to XXXX XXXX and was asked to provide my address or the last 4 of my social security number and when I refused her line went blank. I called back, spoke to XXXX XXXX who informed me that I needed to speak to XXXX, when I asked why she could not assist me she became very aggressive and I ended the call.
Consumer complaint received 2021-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

XXXX transferred my mortgage in the middle of a payoff. I have an open complaint against XXXX for them creating a shortage, not posting my payoff, then taking 15 days to get funds to SPS, the new servicer. This complaint is on SPS. 

On XXXX, SPS was to take over servicing of my mortgage. However, on XX/XX/XXXX, it was paid off by XXXX XXXX. I was due an escrow refund of around {$3000.00}. SPS did not board the loan to their system until XXXX and did not process the payoff until sometime in XXXX when XXXX XXXX finally got them straight on what happened. In the meantime, XXXX XXXX issued the refund on the double payment of taxes to XXXX, who instead of sending it to me sent it to SPS. SPS has yet to issue a refund to me despite XXXX XXXX even paying them a {$300.00} 'shortage ' created by XXXX initial fumbling of the payoff. 

It is now XX/XX/XXXX, over two months since payoff and I have still not got my refund. In addition, SPS servicing reported this as a 'new ' account on my credit reports which has caused my insurance score to drop for the recent 'addition ' of a new account. The balance is XXXX  now, but apparently this isn't taken into consideration. 

This whole thing is a giant mess and I'd like help reporting this to all legal entities who should be aware of the shoddy practices these two servicers are engaged in.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

I submitted a dispute in the amount of {$780.00} because I purchased an item & havent received it. My bank is refusing to dispute the transaction saying its past 120 days in which the reason I notified them immediately once the merchandise had not been received, nor have I had any further communication with the merchant. They allowed my account to be debited. At this point its theft & and theyre making me liable & refusing to refund the money.