davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I had an unauthorized payment via friends and family, and I believe I was hacked. I had {$250.00} taken out of my PayPal Balance to a man I do not know. This all happened while I was asleep on the XXXX of XXXX around XXXX XXXX  or so. 

My PayPal case was already closed and denied the appeal, so I would greatly appreciate help in reimbursement and I hope to have the perpetrator punished and my money back by the end of this month, as I have my sick  mothers hospital bills to help pay for, and to pay for basic necessities such as food and shelter. 

I contacted the local police but they do not have the tools to cover cybercrime, but I have also contacted the IC3 and more
Consumer complaint received 2020-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (NY)

Citi Card is trying to collect a debt, for supposedly {$7500.00}. Yet, I just found out this evening that they put a judgement against me for {$10000.00}. My father actually found out and told me. They never notified me of this and they NEVER SERVED me with this. This is in violation of debt collecting. We are also in a pandemic.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (GA)

In accordance with 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. 

Account name : XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( TRANSUNION XXXX XXXX  XXXX XXXX ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

I have disputed this debt that isnt mine multiple times. RBC only adds a remark that Im disputing this debt. I have asked them to send me a letter as to what this item is and they have refused. I spoke with a rude representative named XXXX and also spoke with another lady who advised me that they wont send me any letters validating this debt since I refuse to pay. I cant and am not paying for something that isnt mine.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank (GA)

We bank with Synovus and have several checking and savings accounts. On XX/XX/12 at XXXX I received a call from Synovus advising of a possible fraudulent transaction on our debit card. I was asked to verify the transaction and when I noted it was not valid and that the store in question was in XXXX ( we live in XXXX ), the agent offered to block our account. I was asked verification questions to confirm identity and then was told that the account was blocked and they would be issuing new cards. I was then asked about wether we had any mobile wallets ( XXXX XXXX, XXXX XXXX, etc ) to which I replied we only have XXXX XXXX. I was then advised that the transaction was attempted using XXXX XXXX  so they needed to shut down the digital wallets as well. I agreed and was placed on hold. 

What I didnt realize at the time was that the person on the line was not from Synovus, even though the phone number matched the number on the back of my card, it was someone taking over my accounts. While I was on hold with the supposed agent, they used the identity verification information to reset my online access to Synovus, accessed all of our checking and savings accounts, transferred all of the funds from all of the accounts into the main checking acct ( for which they had my card number ), then setup XXXX XXXX with an actual agent and proceeded to spend all of our account funds ( approximately {$32000.00} ). 

Synovus has been contacted and is currently investigating the fraud ( noting several other identical cases ). I have a case opened with XXXX XXXX XXXX office in XXXX, XXXX  and they are also investigating. I was also advised to contact the FTC and report this as well for financial crimes fraud investigation. 

Because the fraud involved our online access, those accounts have all been suspended and I currently have no way of providing the details of the transactions, other than the total reported by the fraud agent working our case.
Consumer complaint received 2021-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX, I submitted a letter regarding unknown and inaccurate information on my credit report. As of XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and disregarded. I feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove the items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately, or I will file for litigation due to the unjust due stress you have caused me. Furthermore, my personal information was impacted by the Equifax data breach andmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The company keeps calling from different numbers, they call me today at XXXX. Iv repeatedly told them to stop calling. They call from different location in the state of Georgia its annoying and aggravating. I blocked the call but they call from different locations and they wont stop. Its driving me crazy.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank Lane Bryant is reporting an account on my credit file as an authorized user. It is not my account. This account is not mine and I have never signed anything for me to be added onto this account. I demand you remove my name from the account and delete it from my credit file immediately or the next communication will be from an attorney.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I refinanced my home at the beginning of XX/XX/XXXX. Due to that, my property taxes were paid twice ; once through my escrow account with my mortgage company, United Wholesale Mortgage, and a second time through the title company as part of the closing on my refinance. The check from the title company was cashed first by my county. The money paid from my escrow account was refunded on XX/XX/XXXX by wire transfer. I have the wire transfer number from my XXXX XXXX. I contacted United Wholesale Mortgage on XX/XX/XXXX to find my refunded property taxes. I was told that it would take XXXX business days for them to send an inquiry to the third party, XXXX, who handles the payment of property taxes. On XX/XX/XXXX, I inquired again. I was told that there was no information and that until my money shows back up in my now closed account, they can not help me. I have provided the wire transfer number and the date. To this date, no one has contacted XXXX to verify the wire transfer back from my county. I have called multiple times, sent an email and a letter. I have not gotten any information. I have asked for the phone number to XXXX, the company that my county sent the wire transfer to and United Wholesale Mortgage has agreed paid my property taxes. XXXX will not give me a phone number to track down this on my own.
Consumer complaint received 2021-01-14
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: TD BANK US HOLDING COMPANY (NC)

TD BANK USA / TARGET XXXX XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX https : //www.target.com/redcard/about I am just asking for the Date of First Delinquency on my Td Bank Target Card . 

What is the date / year I become 30 days late and never did catch back up. You are not provided this information to me, nor are you providing this information on credit reports.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (GA)

I have complained directly to the bank, XXXX XXXX, as well as XXXX before. 3 times Ive mailed a payment and they charge a late fee and it miraculously posts that evening. Most current, my bank mailed a check in XX/XX/XXXX, payment was due XXXX. On XXXX I filed a complaint with XXXX and said in the complaint the payment would magically appear after a late fee. They apples a {$40.00} late fee XX/XX/XXXX and posted the payment the next day. They also reversed payments that were cashed from my bank, theyre bank drafts and claimed they bounced. This scam I am sure runs deep, myself I have had 1 payment and 3 times a late fee charged and then the payment applied as soon as the fee was charged, each payment mailed a week before due.
Consumer complaint received 2021-01-14
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)

back in XXXX of XXXX  I sent a letter to my local courthouse regarding the verification of a BK on my credit report as there is some information listed that is not correct. They sent me a letter back stating that the bankruptcy courts has no affiliation or communication with any credit bureaus. So I intern contacted XXXX XXXX and the 3 bureaus for verification of the BK information listed on my credit report. It is my understanding that in order for it to be placed on my credit report the information that I believe is not 100 % percent correct that as a consumer I have the right to request proper validation which means XXXX  XXXX, experian, XXXX  and XXXX  will need to perform a proper investigation. If the bankruptcy courts do not communicate with credit bureaus, I am unsure how a proper investigation of the information I am concerned about can be done. First letter to courthouse was sent XX/XX/2020 received response XX/XX/2020. Send their response to lexis nexis and the 3 bureaus after requesting an reinvestigation of the information listed. I received no response from anyone. I in return sent a no response letter end of XXXX to experian, XXXX  and XXXX. I called XXXX XXXX and they stated they never received my letter so the next day I sent it certified and it shows they received it. Till this day I have yet to receive ANYTHING at all.
Consumer complaint received 2021-01-14
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. (AZ)

I recently reviewed my Credit Report, I noticed there were accounts reporting to my credit that I did not open, when I started checking dates, I seen that the accounts were opened when I was on military leave. I wrote and called about my disputes and explained the situation, that the accounts are not mine and they need to remove them.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (CA)

I was a with XXXX  - CARD SERVICE customer since XXXX and during that time, I have enjoyed my experience greatly. I paid and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mobiloans, LLC (KY)

At XXXX XXXX. ET on XX/XX/2021 i received a call from XXXX XXXX XXXX XXXX. Stated he was from Mobil Loans and said I owe $ XXXX and we could take care of that with a debit card today. I informed him we filed bankruptcy last XXXX. He asked if they had been included and I told him yes. He said " let me look at our other system '' and then said yes, he saw that it was filed. Then he asked if it had been discharged and I told him not yet. 

On XX/XX/2021 at XXXX p.m. ET I received a call from the same number. Stated his name was XXXX from Mobil Loans and my balance is $ XXXX and I told him we filed. He then stated he was just following up where i said i had filed the bankruptcy. I told him yes we had filed and not to call me again or I would report them and I hung up. 

I have the call records saved to my phone. I was a collector for two years and I know when someone said they filed bankruptcy, regardless of whether they provided their attorney info, case number or not, it was " cease and desist '' and we stopped calling immediately. 

Why did they even call the first time when their " other system '' shows we had filed, and they had obviously been notified by my attorney or the court? I feel harassed!!!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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 the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX 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 that 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 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 2021-01-14
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. (NC)

In XXXX is when I first tried to purchase a house when I was told by a loan officer that I had fraud alerts on my account. I had no idea what that was and stopped trying to buy a home. I later checked online and seen I was part of a security breech with Equifax and entered my information for a settlement and never heard back. Fast forward to XXXX I tried my luck again to purchase a home for my family and I could not obtain my free annual credit report. None of my security answers were correct and I could not speak to anyone. I mailed in my picture Id, social security card, proof of residence, and a letter to prove my real identity. I asked that if I could please access my Equifax, check for errors, and also remove at least 2 accounts I had paid at the time ( now 3 ). I sent receipts and contact information of the paid creditors I needed removed in the process. All these years I could only go by XXXX XXXX and free sites because I had no other way to see the activity of my credit report.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (PA)

I Settled these Medical Collections a long time ago. They are still reporting as a paid collection and unpaid collection on my credit. This is in flagrant violation of NCAP and qualifies this account as misrepresented. I have disputed the account before and they continue to report it! PLEASE HELP ME!
Consumer complaint received 2021-01-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (TX)

Covington credit is harassments me at working and on my personal phone.. Its already on my credit report and they wont stop call everyday.. I told them i don't have the money to pay do to my wife being off of work doo to covid. my job is getting a call everyday. and i have written messages from a boos that the lady 's are being really vlogger a rude. as my boss cant give any information about me. this needs to stop>>
Consumer complaint received 2021-01-14
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (MO)

I complained over three times, midland ( MCM claims they closed out since they never got info on more detail back. MCM claim they sent out letter recently XX/XX/2020, never came. reported another issued but they are all lies. In mean time they fraudulent report about a {$440.00} debt from XXXX. they MCM was asked to show us proof of debt. the web site information show zero evidence of debt. its too easy to pretend letter was sent and not send letter. I told them to certify letter, to fax to email and they refuse to comply to my simple demand. Bottom line is I paid my debt. XXXX billed me for magazines I never ordered. XXXX was notified yet they billed and punished added interest all up to {$440.00} of extortion, which I thought was illegal. I thought it was being criminally bullied. Please help me survive this insane attack. 

Unrelated case this same con artist company tried the same thing with a debit of {$310.00} from XXXX XXXX. after years of false reporting they stopped reporting. they continued to still collect on debts in XXXX XXXX what debt? I want this issue dealt with. I want a separate apology for this unscrupulous business practice. Also a penalty fee of the same {$310.00} MCM was trying to steal from my family # CROOKS.
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX XXXX was part of a XX/XX/2012 case against XXXX XXXX that found systemic auto loan discrimination. The case XXXX found that XXXX XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant 20 % interest rate. XXXX XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.