davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
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: Experian Information Solutions Inc. (TN)

I recently ordered my consumer report from XXXX. Upon arrival, I noticed that Experian has placed a total of 24 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 24 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave Experian my written permission to furnish any of those 24 items on my consumer report. As a consumer, I am demanding that all 24 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to Experian. I have proof of when they received the documents. 

1. The request to block was not made in error. 
2. The request to block was not based on material misrepresentation. 
3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions. 

Please be aware that I am very familiar with the FCRA laws that govern Experian and the rest of the consumer reporting agencies. I know that Experian is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.
Consumer complaint received 2020-07-09
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: AES/PHEAA (GA)

My credit score dropped XXXX points due to the way Fedloan Servicing reported the pause in student loan payments granted by the CARES Act to the credit reporting agencies. Account was in good standing and there were no other adverse actions that would impact my credit only change was the pause in payments automatically granted by the govt. All parties contacted ( Fedloan, XXXX, XXXX, XXXX  ) insist the error is not theirs and will not make any adjustments, meanwhile I have been harmed financially and unable to make any improvements to my finances in the middle of a pandemic.
Consumer complaint received 2021-10-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

This Compnay continues to report that Im late on my credit report when it says that its closed. I have written them numerous letters for them to stop and they continue to report as if I owe them.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (NY)

PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below remain on my credit report in violation? 
of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX  XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-05
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. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX  XXXX XXXX  didn't send my bill statement 21 days before my XX/XX/XXXX due date and reported me as late to XXXX, EQUIFAX, and XXXX. This is violation of Title 15 USC 1666b ( a ). XXXX  XXXX  also accessed a late fee without sending bill statement 21 days before the do date. This is a violation of Title USC 15 USC 1666b ( b )
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who Portfolio Recovery Associates is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Portfolio Recovery Associates is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from Portfolio Recovery Associates via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Portfolio Recovery Associates as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Portfolio Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Portfolio Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (CA)

Years ago in 2014, I went to XXXX XXXX  on XXXX XXXX XXXX, XXXX XXXX, Ca to get a variety of things done to my XXXX, one of the most expensive things being XXXX XXXX. However, after several visits to the office the XXXX  there was unable to successfully XXXX  the XXXX onto my XXXX which i'm sure they should have records of the visits and many attempts to complete the procedure. During this time i was told my management at the time the i would not have to pay for treatment that was not successfully rendered. Shortly after there was change of management and then shortly after that this entire location was shut up down. Since then i had been receiving bills in the mail for the services that were never rendered i reached out to corporate head quarters more then once. And it seems as though this nightmare will not go away. It is clearly evident if you look in my XXXX  and review the records on file that the XXXX were not successfully rendered and this location had a history of not performing well which is probably the reason for the shut. can someone please investigate. I should not responsible for paying for this debt, it has been having a negative impact on my credit for months now.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2021 I initiated an ACH transfer from Comenity Direct Bank to transfer funds from my Money Market account at XXXX XXXX XXXX XXXX in the amount of {$490000.00}. The following day, XX/XX/2021, I learned that the XXXX XXXX XXXX account had closed and the funds were transferred into my XXXX savings account. I tried to remedy the situation by calling Comenity and advising them and also set up my XXXX savings account at Comenity to allow for ACH transfers. On XXXX XXXX I linked the XXXX savings account to Commenity bank and successfully reinitiated the transfer of funds from my XXXX savings account to my savings account at Commenity XXXX in the same amount. 
On XX/XX/2021, Commenity charged back for the initial ACH transfer that could not be completed, however around the same time they placed a restriction on the account denying me access to all funds in the account. After making several calls to resolve the matter, on XX/XX/XXXX I was told by XXXX on the account protection team that the hold should not have been made and that it would probably be released in 3 hrs on the same day. On XX/XX/XXXX, I called in the morning and am being told that two managers have signed off to release the hold, but there is yet one more manager who still needs to approve of the release of the restriction which was the same thing I was told the day before. I asked for the managers name when I called on XX/XX/XXXX and they said they would send the persons name to me by secure message. I have not yet been provided the name of the manager and I am also told that the person is not on vacation. It has now been 17 days since the restriction was placed on my account and I have not been given an explanation as to why my funds are being withheld. I am not seeing an end in site since I keep being told it will take 3 to 5 business days and they are still waiting on one specific manager to sign off on the restriction. This is an absurd, frustrating and time consuming process that makes no sense. I ham not being contacted by Commenity or being given any information as to why I can not access my funds. I am requesting the Consumer Financial Protection Bureau assist me in gaining access to my deposits as it feels like the process is completely stuck!
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 2021-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

I had/have a PayPal account XXXX There is a {$54.00} balance. I never received any notices in my account about problems, but suddenly I couldn't send it receive any funds from the account. I contacted PayPal and was informed that I broke the agreement of the Terms and Conditions, but they would not ( told me they could not ) tell me how I did that. They will not allow me access to my funds, nor will they allow me to remove my bank or credit cards from my account. They only thing i have been about to find out about this is that they have 180 days to do something, but since I have no idea when this started I have no idea how long I have to wait, as well as that they may charge me up to {$2500.00} as a fee for what I did wrong ( though I still don't know what, if anything I did! ). And I feel like being tricked and scammed out of my money!
Consumer complaint received 2020-12-30
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. (NY)

XX/XX/XXXX I sent XXXX XXXX XXXX a debt Validation letter. I received and unsigned response stating a Debt amount of {$0.00} dollars. Since this letter XXXX XXXX XXXX have added negative and inaccurate information on my credit report. In addition to I was never provided full disclosure on any documents at the original of this so called " Loan ''. Pursuant to Chapter 15 USC 1681 ( a ) ( 2 ) ( i ) ( 2 ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition to pursuant to 15 USCa ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15 USC 1681 is the same as it is under 15 usc 1602 ( I ) which is the term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor or credit '' Notice Congress said ANY card. This is the credit card I used to originate this consumer transaction. This should be removed from my consumer report pursuant to 15USC 1681a ( 2 ) ( B ).
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My consumer right has been violated according to 15 us code 1681... inaccurate information is listed on my report which should be DELETED IMMEDIATELY ....
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (TN)

Wired {$10.00} to my Regions checking account 0n XX/XX/21 from another bank to determine if the transfer information setup was correct. It did work but I found when receiving my statement they had charged me {$15.00} dollars fee for the wire transfer of {$10.00} when receiving my monthly statement. Called the Regions XXXX XXXX XXXX and tried for an hour to speak to management ( in meeting ) until they transferred me to a local bank who manages my account. XXXX XXXX, bank manager upon answering told me the {$15.00} dollar charge had been removed. The refund was correct but I felt that if I and others do not read the monthly statement carefully the charge or overcharge would not be noticed since I did not know about the charge until I saw the entry on my bank statement.To me this is a deceptive manner in conducting banking business. Depositing money in ones banking account by any medium should be free or no strings attached unless clearly advertised/notified in particular before the wire transaction is initiated.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (IL)

I open an Account with XXXX XXXX and used the account responsible and paid in full. However, after my account was paid in full the creditor closed my account. When they closed my account I received a notification from my credit reporting agency that my credit score had decrease due to a closed account. I do not think its fair for them to just close my account with out a valid reason. I would like my account reopened 0r I am open to suggestion. It is not fair how creditors get to add things to your credit report and make changes that affect your credit score.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (LA)

Two years ago I reported Identity Theft I wrote all 3 credit bureaus sent in all documentation XXXX XXXX XXXX name is still in my credit file as well as a XXXX Texas address Im trying to figure out if this person is employed with one of the Credit Bureaus for years I have been trying to get this unknown person and the address off my credit file and for some mysterious reason the information is still being reported On XX/XX/2021 I applied for a unsecured loan with XXXX XXXX XXXX and Equifax reported in my credit file as a Mortgage Thank you XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Hi, Acc. Num. XXXX, Ive created this account in XXXX in CITI XXXX XXXX. 
The bank staff input my cellphone as a wrong number which last 4 number as XXXX, not as my correct one as XXXX XXXX 
I just give it in written and the bank staff do it without any double-chk or SMS validation, so I took 1hr+ to contact the customer svc, XXXX told me that required XXXX to update, it is such unacceptable!
Consumer complaint received 2021-10-21
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: Experian Information Solutions Inc. (GA)

I am not here to argue, I am not here to defend myself, I am here to establish the fact that I am the original creditor, I am one of the " Persons '' mentioned in the Fifth Amendment that shall not be deprived of any significant property interests, property right, referring to inalienable or other rights without due process of the common law alluded to in the Declaration of Independence, for which it was held " a self-evident truth, that I am endowed by my God and possess inalienable rights '', rights that this body has no authority to Abrogate! 

So, once again, under what authority does this body claim it has authority to exercise jurisdiction over a creditor? Since when is a creditor " the debtor ''? And why are they assuming authority over my time, my business, my interests, my property, my rights when it is well established that their authority prohibits them from subjugating a creditor? 

I don't have a contract with their credit reporting companies. I never authorized their credit reporting companies the authority to receive any information or to even furnish a report. 

So their companies have violated the U.C.C. 2-106. Definitions : " Contract '' ; " Contract for sale '' ; " Sale '' ; " Present sale " ; " Conforming '' to Contract ; " Termination '' ; " Cancellation ''. Along with 15 U.S. Code 1692-Congressional findings and declaration of purpose.

Therefore all items listed in Exhibit B are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as they are damaging my character, credit worthiness and well being by falsely stating those non-compliant unverifiable accounts on my report. 

I have not received any confirmation on how they have verified the alleged accounts attached in Exhibit B and therefore request that they consider this a final notice to their office. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of any trying to rectify the subterfuge that they are reporting.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

On XX/XX/2021, I attempted to contact Ad Astra Recovery Services to resolve my debt ( through the Engage by XXXX  platform ) by email at XXXX and by letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. I sent what I believed to be a reasonable offer to settle the debt and did not receive a response from Ad Astra Recovery Services. 

I never received a response, so I sent another email on XX/XX/2021. 
Ad Astra Recovery Services has not responded to the offers I have sent but continues to collect on this debt.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got a reservation on XXXX for a night on XX/XX/XXXX to XX/XX/XXXX for {$190.00}. At the XXXX XXXX in XXXX XXXX. But when I got there the hotel was full. And I've been trying to get my money back, and they would not help me. I also contacted my bank and they denied my dispute. And I find that it is messed up to stay at a hotel, find that it is full and they won't give me my money back.