davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX AGENCY : XXXX XXXX XXXX  bUSINESS TYPE : BANK CREDIT CARDS DATE OF INQUIRIY : XX/XX/2020 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX  AGENCY : XXXX XXXX XXXX bUSINESS TYPE : BANK CREDIT CARDS DATE OF INQUIRIY : XX/XX/2020 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

The company CREDIT COLLECTION SERVICES is in violation of USC 1681 ( b ) Permissible purposes of consumer reports. I noticed the account on XXXX. I asked if they were the holder and owned the debt, they denied owning the debt. I asked why are they reporting as the creditor, then demanded they remove the account. They denied my request.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states consumers agency can not furnish a account without my written instruction
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states consumers agency can not furnish a account without my written instruction
Consumer complaint received 2015-09-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

This company calls our business daily.  When you answer they hang up. You call them back and they are asking for a person that does not or has ever worked here.  I have asked them repeatedly to take our number off of their call list.  XXXX 
They have called XX/XX/2015  XXXX
XX/XX/2015  XXXX  XXXX  XXXX
XX/XX/2015 XXXX
XX/XX/2015  XXXXM
Consumer complaint received 2018-09-20
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. (CA)

Hello CFPB. I am writing in regards to follow up case # XXXX. I would like for Equifax to remove the {$230.00} collections from my credit file/report, as my original complaint requested because it does not belong to me. Also, It has been well over 40 days and Equifax still has not provided me with a status update of my complaint. I had reported that I had a fraud alert on my accountt due to identity theft and that the collections of {$230.00} is not mine ; and it's the only collections on my report. Also, CFPB reported to me, by email that Equifax could not verify the account because it is a third party ; which I had also stated in my original complaint and that I have never had any dealings or accounts with that third party. They should not have been able to collect my personal information on my credit file from Equifax because of a fraud alert that I have on my report and Equifax still allowed that third party to inquire my account. Therefore, in addition to the above statements, they also broke the guidelines of the fraud alert/security freeze. Again, I would like for Equifax to remove the collections of {$230.00} from my credit file/report.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-05-22
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. (GA)

Applied for a vehicle at a car dealership XXXX, but did not expect the sales representative to send my personal information to several bank/lenders. It resulted in a dramatic drop in my credit report from all 3 bureaus. Requesting that the following items from the Identity Theft PDF be removed from my credit report immediately according to the Fair Credit Reporting Act. Thank you for your time.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KS)

I filed an earlier CFPB complaint regarding a delayed refund for the overpayment of my federal student loans from MOHELA. In a letter dated XX/XX/XXXX, MOHELA acknowledged they owed me a refund of {$17000.00} and stated that the refund would be issued in 60-90 days. I contacted MOHELA several times to inquire about the status of the refund check and was assured by their customer service representatives it would arrive within 90 days. Ninety business days after XX/XX/XXXX, was XX/XX/XXXX. 

No refund has arrived as of XX/XX/XXXX. 

I contacted MOHELA customer service on XX/XX/XXXX, to inquire about the status of my refund and was told they were unsure why there was a delay in the refund. They said they would research the issue and need another 90 days to determine why the refund was not paid. The customer service representative stated that it may take an additional 90 days to issue the refund *after* the research period of 90 days. This could add up to 180 days before paying out a refund that has already been delayed more than a year.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

Bought XXXX  gift card from XXXX XXXX store on XX/XX/22. Tried to activate card and was told card was inactive even though I had the activation receipt from purchase. 
XXXX can not help with issue once purchase is made. 
I called the number on the back of the card and after waiting and being disconnected several times with a total of 7 hours of combined time on the phone, a representative told me the card I purchased was compromised prior to me buying it from the store. They said they would mail me a new card. 
The replacement card was never sent and I have attempted contact with visa several times with no success. Wait times are over 1 hour.

I just want my money refunded to me..

Its been over 3 months they have held my money. This is borderline fraud!
Consumer complaint received 2022-05-22
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. (GA)

XXXX XXXX XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor to XXXX and Equifax. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. I previously disputed this same Collection to XXXX regarding XXXX XXXX XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX XXXX as the original creditor. XXXX removed the XXXX XXXX XXXX erroneous and inaccurate Collection account. I hereby further dispute XXXX XXXX XXXX  pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. XXXX XXXX  XXXX is not my creditor. I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. Equifax failed to provide documentation concerning the accuracy being disputed. Equifax is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-22
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 ()

PayPal closed my account for no reason at all and its not helping me getting it back. I dont know if this is some mistake or not, however, I assume that it has to be. I have not been able to get help from them for months and I just remembered that I could file a report here if they are not doing their job properly, and it is affecting me a great deal as I used PayPal quite regularly. My email linked to my PayPal account is : XXXX XXXX
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FRCA Violation XXXX loan late payment XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (IA)

I have made many calls to PenFed to try and get a debt consolidation loan with them. They are having a problem getting my XXXX  Credit Report to return, I have spent countless hours dealing with PenFed and them telling me its going to be another 24-48 hours. My call today XX/XX/XXXX I spoke to a supervisor in customer service that was worthless. The rep got an attitude with me when I told her to cancel the application, PenFed just keeps pointing fingers. PenFed was not able to obtain a copy of my credit report HOWEVER, there is an inquiry listed on my credit file. I have requested PenFed remove this from the report as they were NOT able to view the report so they shouldn't have an inquiry listed. This has been the worst time I have ever had with this credit union. I have had prior loans with them and they all went through seamless. Loan Application # XXXX, and it has been pending since XX/XX/19.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX  that show I communicated with their representative. 

I need to get this erroneous negative mark off my account.
Consumer complaint received 2023-04-18
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX  {$3400.00}
Consumer complaint received 2022-05-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XX/XX/XXXX, XXXX CREDIT & VERIFICATION, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  has violated my rights.

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 an account without my written instructions
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Seems like I need an additional professional help to file a complaint, because abuse is continued. PayPal does not intend to stop power abuse. They created obstacles to confirm my bank account. And it is not just done electronically they confirm my actions by sending me a code on my phone. After finally my bank was confirmed, they began to create problems to transfer my money to my bank. I attached screen prints. PayPal continued to do whatever they want to do in order to keep and play with my money and make up excuses and get away.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$790.00}
Consumer complaint received 2022-05-22
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. (GA)

XXXX XXXX, XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX XXXXXXXX as the original creditor to XXXX and Equifax. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. I previously disputed this same Collection to XXXX regarding XXXX XXXX, XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor. XXXX removed the XXXX XXXX, XXXX erroneous and inaccurate Collection account. I hereby further dispute XXXX XXXX XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. XXXX XXXX, XXXX is not my creditor. I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. Equifax failed to provide documentation concerning the accuracy being disputed. Equifax is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX XXXX TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.