davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Recently, I received a copy of my credit report and found several inaccurate information and fraudulent accounts on my credit report that were not opened by me ( See attached FTC Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I communicated with the alleged debtors and requested proof of claim and to validate the debt within 30 days ( See attached Debt Validation Letter ), and so such debt was validated.. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, a line of credit or for to procure goods and services.
Consumer complaint received 2020-06-10
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. (TX)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report doing the quoting process. Every time I would get a quote it would come back high or ineligible. I have always-aid my accounts on time. I decided to get my report pilled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. 

XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2019-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NC)

I turned in ( 3 ) employers for the Feb Loan Forgiveness Program. One of the employers will not fill out the information needed, which was checked on the form. After speaking with at least five customer service representatives, with different stories, I am super frustrated that there is a disconnect with active listening, comprehension, and reading. I've had to explain to them where to look, on their form, for the spot checked where the employer will not fill out the form. A rep told me to send in pay stubs showing I worked there. I faxed in over 30 pages and now a Supervisor # XXXX is saying that I meed W2s. The rep # XXXX prior to the supervisor said that the employer did not sign the form, which is correct, because the box was checked where they did not respond. Each employee from the date I faxed my application ( XX/XX/2019 ) needs to be terminated and suspended and retrained.
Consumer complaint received 2022-12-27
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. (PA)

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (FL)

Hello, Please help me. 
I have called multiple times only to be hung up on XX/XX/2020 when trying to dispute the following charges on my Way2Go card for unemployment. Someone needs to get this in line. These are clearly fraudulent charges from XXXX, XXXX. Also what is the balancy inquiry fee? seriously? 


XX/XX/2020 IVR BAL INQUIRY FEE XXXX - Cleared - {$0.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$0.00} XX/XX/2020 PURCHASE XXXX XXXX XXXX / XXXX XXXX XXXX Cleared - {$280.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$0.00} XX/XX/2020 PURCHASE XXXX XXXX XXXX / XXXX XXXX - Cleared XXXX {$150.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$4.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$8.00}
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I initiated an agreement with XXXX XXXX to provide me with literature, call in guidance 7 days a week, 24 hours a day. The end result was that they almost never return calls and never answer the phone, and when they do, the people picking up have no experience or even a clue as to how to answer my questions. Based on this I asked that they cancel my order and return the funds back into my PayPal Credit Card account, ( Synchrony Bank ). 
On XX/XX/XXXX, I called into PayPal Credit Card Customer Service, ( Synchrony Bank ), and spoke to a " XXXX '' that helped me file a dispute for the initial {$590.00} that they paid XXXX XXXX. I also asked XXXX to put a stop on all future payments to XXXX XXXX   because they breached the agreement as promised. XXXX agreed and said she put notes on the account instructing all at Paypay to not allow any further payments and to request for a refund to my PayPal account.On XX/XX/XXXX, a second payment was sent by PayPal to XXXX XXXX for the second payment to them. Paypal completely ignored my request to not pay any further invoices from XXXX XXXX. XXXX XXXX in my opinion is taking funds from people, breaching the agreement and Paypal is helping them by not following the card holder 's request to not pay.I request a full refund of all payments to XXXX XXXX.
Consumer complaint received 2020-06-10
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. (FL)

BY NATURE OF PREVIOUS CFPB REPORT XXXX, VW XXXX Fl AND OTHER VENDORS INQUIRED ON MY CREDIT WITHOUT AUTHORIZATION. YOU HAVE COMPLAINTS TO THIS EFFECT. YOU SENT MY COMPLAINT TO THE FTC. By nature of their own admission and statement not even with a lockout can this Credit Reporting agency stop these inquiries yet they continue to lower my score! I consider this intentional fraud since they inhibit my ability to secure funding due to lower credit scores. Also their third party they feed information to are also even more incorrect then they! PS I never use XXXX XXXX as a XXXX Creditor! Attempts to remove from on line and dispute incapable! They do not allow.
Consumer complaint received 2019-02-12
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. (NC)

I seen this company on my credit report XXXX XXXX  and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of FTCA I have also asked that my inaccurate information be corrected and has failed to do so Please help me.
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MN)

My car was purchased the week of XX/XX/XXXX from my daughter. I don't have dates but there are so many, at least 2-3 times per week starting in XXXX that I have call Ally Financial asking about the lien release and my refund coming to me. They would transfer me and I'd end up in the same department. Finally on XX/XX/XXXX I sent a complaint to the XXXX. At which time I did receive a phone call a few days later. The rep commented ... well this is cut and dry. All you need is the lien release and your refund. I said correct. She said she waiting to hear back from the departments that handle these and I should see both very soon. It's been a month later. I did file another complaint with the XXXX  but they are considering it a duplicate. It's been 3 mo. We want to transfer the title to my daughter 's name ... the bank is waiting for it ... but can't without the lien release. I refuse to call AGAIN. I just want my refund and lien release. I don't understand the issue. COVID?? Yes at the beginning but not this is a little bit beyond that.
Consumer complaint received 2020-01-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Clearview Resolution Services (SC)

On XX/XX/2020 at XXXX XXXX I got a call from my local sheriffs dept. caller is was XXXX. Officer asked me if I had a loan with XXXX XXXX and advised me a criminal complaint was filed on me and is a misdemeanor for each check that I stopped to XXXX XXXX inXXXX hr had all of the current balance and original loan information and advised me to contact XXXX XXXX at XXXX XXXX XXXX at XXXX. At XXXX XXXX I had an 8 min conversation with XXXX and he said tht I can settle for 25 % of the balance for XXXX $ today to avoid criminal charges and the CFPB would issue a grant for the rest because I am a single mother. He even offered to call my mom and help get the kk way to settle it. I declined that offer. 
I contacted XXXX XXXX and confirmed they sold it to XXXX  who has placed it with XXXX XXXX for collections who outsourced it to XXXX XXXX XXXX I called my local sheriffs off ice and the said they have gotten numerous calls about them contacting people about debt for criminal charges and said their Number was most likely spoofed.
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I was scammed out of XXXX for tickets, I contacted Paypal and they said I need to reach out to the vendor, I explained the vendor was a con artist who blocked me she said there was nothing they can do? I know its only XXXX but it was for tickets for my kids
Consumer complaint received 2022-10-04
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. (FL)

For the past 4 months I've been sending letters of dispute to Experian, but have not been getting any response. I've sent a letter in mid XXXX, mid XXXX, mid, XXXX, and mid XXXX and I still have not receive any response regarding my disputes. I went online today XX/XX/2022 to file a dispute but it was not giving the option to dispute/challenge 2 of the items. I receive a message stating that the items was already disputed but I have not receive any letter regarding the items.
Consumer complaint received 2018-03-04
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: SYNCHRONY FINANCIAL (TX)

I just recently retrieved my XXXX XXXX Credit profile and I noticed that there has a been some mistakes. There are two inquiries that I do not authorize and was not present on my credit report last year in 2017.
Consumer complaint received 2022-10-26
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 (NJ)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-06-10
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: Medical Data Systems, Inc. (GA)

ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF MEDICAL SERVICES 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " MEDICAL DATA SYSTEMS, INC
Consumer complaint received 2022-10-05
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. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} XXXX US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$150.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; DP OF EDUC XXXX Balance : {$3100.00} ; DP OF EDUC XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NV)

On or about XXXX XXXX, I applied for a loan to refinance my mortgage through Cardinal Financial, XXXX XXXX is the contact : Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone/Fax : XXXX XXXX Here are the issues and problems with this company : 1. During the last two months ( XXXX and XXXX ), Cardinal Financial raised my APR, even after having a loan rate locking agreement with them. 

2. They have repeatedly asked for the same documents that I had uploaded to their web page weeks prior, and they already have. 

3. They are trying to give me tax advice ; they told me that my XXXX tax return can not use the same account for dividend and interest income. The account that they are referring to did not even exist until the XXXX tax period. They are using XXXX tax data to give me advice about my XXXX tax return. 

4. They keep requesting tax transcripts for XXXX tax return, but I was unable to obtain them online and the IRS has shut down processing because of COVID issues. 

5. They keep requesting a loan payoff for the current mortgage. I sent them numerous replies that the loan was interest only and the balance that I sent to them via email was correct. I believe this to be another delay tactic, so that I withdraw my application. ( see # 6 below ). 

6. Based on the continuous delays, and requesting documents that they already possess or documents that they know that I can not produce ( tax transcripts ), I strongly sense that they are discriminating against me because of my age ( XXXX ).
Consumer complaint received 2022-10-05
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. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} XXXX US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$150.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; DP OF EDUC XXXX Balance : {$3100.00} ; DP OF EDUC XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (PA)

You are in Direct Violation of The Fair Credit Reporting Act. You, have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2020-01-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I have been in touch with Navient for the past 3 months regarding a private loan ( XXXX XXXX  ) that was included in my bankruptcy in XXXX ( at the time it was a XXXX XXXX   XXXX private loan ) this loan fell behind in XXXX and we are currently in XXXX well past the Michigan statute of limitations. I am constantly told that this private loan is unable to be discharged and that the statute of limitation doesn't apply ... how is this? Also the school that I attended ( XXXX College ) when this loan was initiated is now closed down and they are saying they have no knowledge of the closure. I am attempting to purchase a home and this private loan is showing on my navient account as past due which is preventing me from obtaining a home.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IL)

Chase has charged me for late fees and interest three times throughout the past year when I've been a day late on my credit card payment even though their own guidelines and the law state that there is a 25 day grace period.