davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Good Morning, I have been the victim of Fraud by a Scammer with whom I thought was " Pastor XXXX XXXX '' on XXXX. I discussed personal things about my life. 

The scammer said they were going to award me with a Grant ; even though they were not concentrating the awards in my  area. 

Long story short. I paid a Registration Fee of {$100.00} under the assumption that I would receive the Grant. After they received the money ; I was sent an email response that I needed to pay {$400.00} ; then I realized this was a Scam. 

I am angry that I was taken advantage of. I have screenshots of the XXXX conversations, the email for the Registration Fee, and Paypal email refusing my Claim.

Paypal does not have an option to file a Fraud Claim or a  Claim for being Scammed. So I choose an option & within their comments section, I outlined the Fraud and advised that I proof. None the less ; Paypal never asked me to provide proof.
Consumer complaint received 2019-12-11
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$39000.00}, {$21000.00}, {$19000.00}, {$6000.00}, {$2500.00}, {$500.00}, {$500.00}, {$20000.00}, {$73.00}, {$23000.00}.

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 ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$39000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- AUTO ACCOUNT -- 9. XXXX XXXX XXXX  with ACCT # XXXXXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX  XXXX XXXX XXXX   with ACCT # XXXXXXX opened on XX/XX/XXXX with a credit limit of {$73.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$23000.00} -This is not my account.
Consumer complaint received 2023-02-25
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. (NV)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX : {$1300.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$110.00} Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website.  Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2023-02-25
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. (CA)

I am writing to dispute several hard inquiries on my credit report from TransUnion. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and believe that these inquiries were conducted without my consent or authorization. 

The hard inquiries in question were conducted on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my credit report and confirmed that these inquiries were not initiated by me nor were they authorized by me. I have not applied for any credit or loan products during this period, which leads me to believe that these inquiries were made in error or fraudulent. 

According to the FCRA, credit reporting agencies such as TransUnion are required to investigate and verify the accuracy of information reported on credit reports. Furthermore, any unauthorized inquiries that appear on a consumer 's credit report must be promptly removed upon notification by the consumer. 

In accordance with the law, I have already taken action to address these unauthorized inquiries. I have submitted written disputes to TransUnion and requested that they remove these inquiries from my credit report. However, despite my efforts, these inquiries still appear on my credit report and have negatively impacted my credit score.

I believe that these unauthorized inquiries have caused me financial harm, as they have led to a decrease in my credit score and could potentially impact my ability to obtain credit in the future. Therefore, I am requesting that the CFPB intervene on my behalf and investigate this matter further. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TN)

This is going to be very simple for ProCollect to understand. First, their client who created an illegal debt called criminal fraud based on lies then transmitted it across wire to ProCollect in TX. In XXXX of 2022, ProCollect then used the mail " mail fraud '' to send an extortion attempt to collect a fraudulent debt. 

Their client knows what they have done is wrong and will be facing severe penalties and charges under DOJ. Now, since ProCollect has involved themselves in this illegal activity, they will be added as a third party attachment where they will be responsible for not only civil damages but also criminal. 

To clarify this, ProCollect, their client ( XXXX ) has used their organization, " enterprise '' to create fraudulent debt and then to extort people over that fraud. Now, ProCollect had been warned about this. Under the RICO ACT they will be wrapped together in a nice little bundle. 

Every time we have tried to dispute this, ProCollect goes to their client who then continues to resubmit a fraudulent debt and ProCollect accepts it transmitting the debt through " wire '' Law enforcement has advised us that ProCollects failure to stop their activities after showing them we do not owe a debt and their refusal to accept the evidence, shows ProCollects continued attempt at illegal activities. 

ProCollect should wonder why their client has shut up and not said anything in several weeks. Very interesting, their client XXXX XXXX has not spoken a word. Do you know why? It has to do with losing her freedom. Just like you have the possibility of doing. 

ProCollect states they are not the ones with the debt. Well, their names are all over our credit with criminal fraud. It blatantly says " This is ProCollect trying to collect fraud and we will hold your credit XXXX until you do! '' Thats called extortion.
Consumer complaint received 2023-05-24
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. (IL)

Transunion Credit Report for XXXX XXXX XXXX here are my consider : XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX please remove from my credit report fraudulent information. address XXXX XXXX XXXX XXXX IL XXXX Pleases remove from my credit report. I contact the credit bureau and this address was not removing. Remove XXXX XXXX XXXX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Business address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid off {$77000.00} XX/XX/XXXX this account on my credit report didn't get the correct point, which was fraudulent, it was like I was penalizes for pay off early. 
XXXX. XXXX XXXX put on my credit report this account was late I pay off XX/XX/XXXX {$29000.00} the Loan before it was due to expire which was a 6-year loan open XXXX expired closed on XX/XX/XXXX so the information that was given to you it was fraudulent. so why this stays on my credit it affects my credit. I had two accounts with XXXX XXXX pay off {$28000.00}. open in XXXX XXXX I closed the account XXXX XXXX pay off in full. XXXX XXXX was opened XXXX XXXX, Closed XXXX XXXX This account was paid on time, and I paid off. why they closed the account didn't make sense unfair founding because of my XXXX  loan but paid off. 
XXXX XXXX XXXX This account was not mine fraudulent
Consumer complaint received 2019-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services (FL)

After the death of my father on XX/XX/19 who left no assets and no estate, there was an installment loan through Lendmark Financial with his vehicle as collateral. I called Lendmark multiple times as to what we should do with the car. I offered to bring the car to them, but I was finally told on XX/XX/19 to leave the car and could turn in the tags because it would go through the non-payment process and be would be repossessed. A day or two after these conversations, a payment for the vehicle was deducted from my fathers account for {$260.00}. I had to contact them to correct it, but it took over a month for the refund. Now, three months later, after the car has not been repossessed, I called and was told that it would not be repossessed because it was not worth enough. No one had contacted me to tell me this, I had to call them. There is no estate and no assets to pay off the vehicle. I spoke to the office manager XXXX on XX/XX/19 and they are now telling me that I must sell the vehicle on their behalf and would need to bring the buyer to them to pay them for the car and only then would they sign over the lien. XXXX was rude, condescending, and would not let me explain the situation. He started talking about needing to get a lawyer involved if we are unable to do anything with the vehicle and finally told me he had other things to do and wouldn't continue to " go around in circles '' so I hung up. I then got the number for the District manager XXXX and called her. She was more pleasant, but still told me the same information, but did say if we junked the car she would put a note in the account that the junkyard could call for the title. My father is the only one on the loan, my name is not attached to the vehicle in anyway. The car is in Maryland, but I live in Florida. We turned in the tags per their instruction so it is not able to be driven and will need to be towed which could be a financial burden on my part.
Consumer complaint received 2023-02-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$780.00} ; XXXX XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX Balance : {$8.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$20.00} ; XXXX XXXXXXXX XXXXXXXX Balance : {$11.00}.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Hello, I have been XXXX by XXXX XXXX XXXX regarding my account status. Since XX/XX/XXXX Ive expressed to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in hope they would help me with repayment option to keep my account open. However, not only have I been charged annual and monthly service fees including constant increases, but I have also been XXXX daily to make payment which even though I told them the law that went into effect in XXXX, they disregarded the bill collection XXXX act, therefore I was forced to make the payments in fear of my personal information being shared and or reported incorrectly. Im attaching all the documentation in hope to provide more. My account hasnt been closed by my request, which I spoke with XXXX XXXX  today XX/XX/XXXX, yesterday XX/XX/XXXX last week and each week after XX/XX/XXXX until recently discovering this illegal activity
Consumer complaint received 2023-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I logged into my Bank of America mobile application and noticed XXXX was missing from a savings account. I did not authorize this transaction or get any notice this transaction was being made. This caused me to look into my XXXX account for fraudulent alerts and I found that I was a victim of identity theft. There were nearly a dozen credit applications made in my name to many different banks and credit unions, there was also attempt at receiving a loan in my name, and two cars rented in my name from XXXX XXXX. I filed a police report with two different stations, XXXX in XXXXXXXX XXXX and the other in XXXX, XXXX XXXX of the vehicles that was rented in my name ended up getting reported stolen and had XXXX XXXX so the police department was able to track down the car and find it. There was a women arrested that was found in possession of the stolen vehicle, and had my ID and a debit card opened in my name in her purse. Ive reported the fraud to my bank XXXX Bank of America ) and there has been no movement whatsoever in my claim. I have also reported fraud to XXXX, XXXX XXXX, and XXXX, and called the other banks and credit unions to report the fraud for the applications opened in my name.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

old navy, Barclays Mastercard is a very frustrating card. even though i paid by balance in full every month, i was still charged interest. this happened for several months and then i locked the account. 
even though the account is locked, i am still being charged and then they added late fees and interest. 
i tried talking to the company, but they wont fix this
Consumer complaint received 2022-04-22
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. (NC)

Under 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 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to Transunion ) XXXX XXXX XXXX  XXXX ( Reported to Transunion & XXXX ) XXXX XXXX, ( Reported to Transunion & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX these items have violated my rights. 
In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-11
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. (UT)

XXXX XXXX XXXX sent me notice for a collection that I do not owe. I have been trying to contact them to resolve the debt and they have been extremely rude and will not help me. I need this removed off my credit, I do not owe this.
Consumer complaint received 2019-12-02
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: Experian Information Solutions Inc. (NJ)

Hello XXXX XXXX  has a innorrect remork on my credit I told them to remove it they said ok. But its still showing REPO. My car was never late and never a REPO. Please update. 

I never had a XXXX, XXXX or XXXX XXXX This isnt my XXXX XXXX Only one payment was made. I would never ruin my credit. 
XXXX isnt late or I dont owe remove from my credit XXXX? I dont have a XXXX account I live with my mom she has her own utlities. This is hurting me getting a mortgage please help me.
Consumer complaint received 2019-08-01
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. (UT)

XXXX/XXXX XXXX # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY