davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On 05/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. handle this XXXX asap.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

I do have problem with Paypal. 
They locked my paypal account holding {$60.00} XXXX + on XXXX. 

XXXX Mail from XX/XX/2021 : We're initiating closure of your PayPal account After a thorough review of your account, we're initiating the closure of your PayPal account in order to protect us from potential financial losses. You'll no longer be able to use PayPal account. 
What happens to your account balance? 
If you have funds in your PayPal balance, we'll hold it for up to 180 days. We'll do a periodic review of your account for funds release. A gradual approach to account closure allows us to part ways, while considering any liabilities that may arise. 

___________________________________ I have call them multiple times on XXXX, as soon as my account got locked. 
They said I broke some user agreements ( I have been on paypal for 10 years and been doing my very own business since 1 year ). When I asked which one, I never got an answer ( by phone or by email ). Then I called them back again multiple times on XXXX. Each time, the person from the client services of Paypal assure me that I will get my money back in 180 days. And so, I waited 180 days gently. No news from paypal since then. Then, 1 week before the 180 days lockdown run out, I checked my Paypal account as saw everything was gone. I didnt received no email / mail / phone call or notification what so ever about this. They just grabbed it, without saying anything. I called them a 2 days ago, they said they had no information to provide me right now on phone, but they will get back to me by email under a few hours about the details. Been 2 days Im waiting for it and I know I will never get it What they seized, without any notification nor proof : - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) - XXXXXXXX XXXX ( XX/XX/XXXX ) No news from paypal since then ... 
I was using paypal as way of payment for my business i run on XXXX. 

I live in XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (IL)

Dear CFPB, I am writing to file a formal complaint against Southern Management Systems, a debt collection agency, for their actions in the state of Michigan. According to my investigation using XXXX XXXX XXXX, it has come to my attention that this company lacks the necessary licensing and bonding to engage in debt collection in Michigan. Attached, please find screenshots of the XXXX results supporting this claim. 

Furthermore, there is no existing contract or agreement between Southern Management Systems and myself, and I have not authorized their company to conduct collection activities on my behalf. 

I request a thorough investigation into this matter and assistance in ensuring that Southern Management Systems complies with applicable laws and regulations. I am concerned about potential violations of consumer rights. 

As a remedy for each violation, I am demanding {$1000.00} under 15 USC 1681n. I believe this is an appropriate remedy given the nature of the violations and the potential harm caused. 

Additionally, I want to bring to your attention specific consumer laws that have been violated by Southern Management Systems : 1. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 

2. You have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

3. The collection agency is violating your consumer rights by using false, misleading, misrepresentation, and deceptive means. 

I appreciate your prompt attention to this matter. I trust that the CFPB will investigate these violations thoroughly and take appropriate action. 

Thank you for your assistance
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (NC)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to XXXX years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX CARD - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2021-06-29
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: BARCLAYS BANK DELAWARE (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 2023-05-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has opened accounts in my name more than once! Both times I received correspondence about a new account in my name. I called multiple times and still and still and to go into the branch more than once to resolve the issue. I have not had a Wells Fargo account in at least a decade!!!! When I did have a account with Wells Fargo I was constantly over charged to point of getting refunds years after I closed the account!
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

This is regarding my Citibank credit card ending in XXXX, ( 1 ). On or around XX/XX/2021, a payment of {$9500.00} was made to this account from a friend of mine. 

( 2 ). On or around XX/XX/2021 when I checked my account statement I found that the payment was reversed. The description is " REVERSE PAYMENT POSTED IN ERROR ''. 

( 3 ). I called customer representative on XX/XX/2021 and the customer representative told me that the payment was returned because of name mismatch and the fund was returned too.
Consumer complaint received 2021-06-29
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: Informative Research (TX)

I reviewed my credit report and that there were 3 inquiries on my credit report for INFORMATIVE RESEARCH I Inquiry Date XX/XX/XXXX. On XX/XX/XXXX, I mailed out letter advising the company that I never submitted an application or applied for any of their products. I have not received a response from the company and the inquiry is still listed on my credit report. I contacted INFORMATIVE RESEARCH and they said that could not assist with this issue.
Consumer complaint received 2021-06-29
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. (NC)

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

15 USC 6809 ( 9 ) ( 9 ) Consumer The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. 

You are a financial institution according to 15 USC 6809 ( 3 ) ( a ) ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12.

You as a consumer 15 USC 6809 ( 9 ) I am the natural person, and agent of the consumer XXXX XXXX XXXX XXXX who obtained from you CAPITAL ONE a credit extension, a service that created an account and I want said account to be sent to the original Creditor, I want the funds from this account to be reimbursed to the original creditor of this account. 


Any digital contract that has been created with this Credit Extension and the issue of the account, card number : XXXX that rests in you is rescinded and it is required that the funds be remitted to the original creditor. As the original creditor I demand that all funds that resulted in the issuance of this account be refunded to me within 20 days. Otherwise I will be forced to file a lawsuit. I have all the relevant evidence to show that you used my credit without my consent. They are not creditor, they are the financial institution that sells financial services, they do not lend money and they have to reimburse me for all money used and obtained without my consent. 15 USC 1602 ( g ). 15 USC 1692 a ( 4 ) 15 USC 1602 ( I ) ( I ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit uis offered or extended is a natural person, and the money, property or the services that are the object of the transaction. are primarily for personal, family or household purposes
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

Its been Soo long I dont remember exact dates I think it may have been in XXXX or XXXX but the account was in my name. They kept charging me over draft fees that was not supposed to be until the fees created a spiral effect on my acct until I just told them to close my account and I think I had to pay over {$1000.00} plus to clear up the matter bec I was buying a home and it was reported to the Credit Agencies
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-06-29
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. (TN)

After reviewing my full three credit bureau report, I've came to the realization that I am the victim of Identity Theft, and I will most likely be hiring a legal team to help take care of this issue. 

Attached is the notice to furnishers, and the FTC Identity Theft Report. All of this has been forwarded to the XXXX as-well. 

Please find my updated contact information, and update it inside the personal statement ( s ), and such! 

Best Regards, XXXX
Consumer complaint received 2022-10-26
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. (IL)

This was not sent in error ; I am a consumer under the law, and my information was misused, resulting in some false and not entirely accurate accounts on my credit report. My credit report was used without my permission.
Consumer complaint received 2021-06-29
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. (CA)

Hello, In XXXX of XXXX I sent the first dispute to TranUnion regarding two inaccurate accounts that they are currently rand falsely reporting on my credit report. Initially they ignored my request, so I disputed the accounts again and at that point they're response was that the accounts were verified. In XXXX I disputed the accounts for a third time requesting that they provide me the method they used to verify this inaccurate information ( ie : my signature on a contract, my drivers license or social security #, etc ) and they sent me the exact same response again, that the account was verified ( with none of the proof that I requested ). 

Per the FCRA, TransUnion should not be reporting false information that they have not verified in the first place. Please Help!
Consumer complaint received 2021-06-28
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. (MA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 violation Misleading False reporting XXXX XXXX Account Number : XXXX Please investigate that this account is reporting 100 accurate I see so many errors which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX FDCPA Section 807 violation Misleading False reporting XXXX  Account Number : XXXX FDCPA Section 807 violation Misleading False reporting XXXX  Account Number : XXXX
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

I have been a victim of identity theft and numerous utility accounts have been opened and charged up and unpaid in XXXX. I have been able to clear some of these thus far and have placed a freeze my credit. I have never lived in XXXX ( have resided in XXXX  since birth ) and have not given my permission to anyone to use my information. My former name is being used as well as my birthdate and social security number. 

XXXX XXXX XXXX XXXX {$660.00} ( reported as theft/filed dispute ) XX/XX/XXXX, XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX as theft/filed dispute ) I was made aware of both of these fraudulent accounts via debt XXXX.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AR)

we were due to cruise when covid happened. we left the monies on the account with XXXX. ruises until we discovered that we could only cruise if we had the vaccine. we then adked for a refund from XXXX XXXX line. they did the refund in 4 transactions and i spent hours and days over 2+years trying to locate the money. when i finally found that XXXX XXXX had refunded it and contacted Barclay bank and gave them dates and transaction numbers, that should have been the end of it. 3 months later and many hours of phone time later, and > I still dont have my money refunded and today alone was told that it would be the XXXX of XXXX and then the XXXX of XXXX. Good frief, they cant even get their lies straight! Can I get help getting my money and, can I charge them interest on the monies held?
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have two fraudulent accounts now owned by XXXX XXXX XXXX that originated with Capital One Bank Usa. Neither of these account a are a result of any credit I established nor have I lived at the Ohio residence the statement summaries were sent to. The accounts are for XXXX and XXXX Acct # XXXX Amount : {$1200.00} Opened : XXXX Credit card Status : Seriously past due assigned to collections Acct # XXXX Amount : {$220.00} Opened : XXXX Credit card Status : Seriously past due assigned to opting dispute they directed me to ftc.gov and advised me to fill out complaint there and forward receipt to collections XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ;. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX Upon attempting to file dispute they advised portfoliorecovery.comme I would need to go to ftc.gov and file it then forward receipt to XXXX XXXX
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My transunion credit file is locked to prevent unwanted credit inquires. My data was leaked in all the big leaks XXXXXXXX XXXX XXXX XXXX XXXX and others. I notice even though my file is locked or frozen when a company tries to run my credit report transunion still lowers my credit score for having a new inquiry.

Is freezing your credit file supposed to keep companies from checking your credit? Then why lower my score for an inquiry that led to nothing? 
Unless they still allowed the company to gain my credit report.