davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

The credit card company said that I owed some money in the past and they have reported it to collections which have negatively affected my credit score very much. I want the debt to be removed from my credit.
Consumer complaint received 2022-06-15
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. (CA)

I acquired a credit report with Experian.com XX/XX/2022 and once receiving a copy of my report, I called your department because I saw some UNVERIFIABLE items on my personal profile ; I detected that there was a CHARGE OFF account Name : XXXX, XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.
Consumer complaint received 2022-02-14
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. (TX)

Equifax have two hard inquires less than a day apart on my credit report, which I reported but they failed to remove the second hard inquiry. I didnt not approve the second hard inquiry and I demand it be removed
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

Im 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 ending XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX Bankruptcy 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 a account without my written instruction
Consumer complaint received 2021-04-13
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. (TX)

I have few accounts on my credit report that is not belongs to me. Im XXXX person getting assistance from the state I dispute those accounts and the credit report cant remove it. Account are been placed different times or have been in my credit for more than 8 years
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

Accounts with INCORRECT information below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Incorrect Addresses : All addresses are incorrect. The only address that is valid is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for immediate removal they also violated my rights under : 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 USC 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 2022-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (WA)

It looks like PayPal is still doing it. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-paypal-for-illegally-signing-up-consumers-for-unwanted-online-credit/ I was automatically billed for a service I did not remember signing up for automatic and thought I was just doing a one year payment one time and did not have the funds available in the account which I gave to PayPal and they told me over the phone they fronted the money. 

I also never remember signing up or clicking anything that allowed PayPal to be my creditor. I did a search and found that article and decided to add my testimony that this is still a problem. PayPal told me they are just a processor and when I asked then what bank paid the merchant they then switched back to saying PayPal fronts the money so you do not have to wait 3-5 business days and I informed them with a notice of trespass that we as Americans must give written consent to act as a creditor and that I have no problem waiting until my funds clear so there is no excuse for signing me up to a system where they give money away in my name. 

If I had not got a refund from the merchant then I would have been out {$180.00} because of PayPal negligence. I got them their money back so they would stop attempting to charge my account. 

Obviously they need to be taught a lesson again since this company is still doing this. I did not expect there to have already been action against them!
Consumer complaint received 2018-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (VA)

XXXX XXXX XXXX  contacted me on Friday XX/XX/XXXX in reference to a debt that was sent to them to collect on. I attempted to inform the representative that I had no knowledge of debt and that I would like more information mailed to me. The representative said she wouldnt send any information unless I provided her my information that she would need in order to try and use it to claim I owed this debt I knew nothing about. 

I notified the company in writing of my requests that they provide documentation of this debt. I have received more phone calls every day since XXXX XXXX and nothing in writing. The agent today XX/XX/XXXX called and I explained u have not been provided any documents that suggest I owe a loan and she acknowledged that my request for these documents was received. The agent then started to get angry and hung up on me
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/2022 in the early morning after checking my bank account I noticed multiple fraudulent transactions one after another from a merchant outside of the country. The total of the transactions was about {$5400.00}. I immediately called schools first to let them know that those transactions were fraudulent and that I had not been out of the country or authorized anything. Schools first assured me that this would be taken care of and immediately issued a credit. I assumed this was all done and taken care of but it wasnt. School first came back later and denied my claim later withdrawing the credit issued and pushing my account to - {$5300.00}. From what I have researched. It seems that my debit card information was phished and used to make fraudulent purchases. Schools first failed to protect me as a consumer and approved multiple huge ticket transactions. Schools first failed to abide by XXXX zero liability protection as well. I will not be held accountable for transactions that were not authorized by me and request that schools first abide by XXXX zero liability policy and reinstate my negative balance to a XXXX  balance.
Consumer complaint received 2021-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Kohls charge was paid on XX/XX/2018 to XXXX in the amount of {$410.00}. This was a settlement amount. Paid by XXXX XXXX I have filed disputes with the credit bureaus who keep saying I owe {$500.00}. XXXX will not answer and Kohls will do nothing. I have submitted both the settlement offer letter and the payment ledger. Since submitting a dispute my credit score for XXXX dropped 84 points. Both XXXX and XXXX went back the last 4 years and added derogatory marks after I filed the dispute. Please, please help me with this.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax is still reporting a Debt Collection that is no longer open and has been requested for a deletion by XXXX XXXX XXXX, XXXX. This was requested on or aroundXX/XX/XXXX. This is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). As follows is a copy of information received from XXXX XXXX XXXX, XXXX following compliant ID # XXXX. 
This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XX/XX/XXXX. As you had requested, verification of the obligation was mailed to your home address in Texas on XX/XX/XXXX. In light of your dispute of the underlying obligation, we have closed this file and returned it to our client. As such, you will not receive any further communication from our office concerning this matter. Additionally, we have instructed the credit reporting agencies to delete any update we may have placed on your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Managing Member/General Counsel XXXX XXXX XXXX
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment.
Consumer complaint received 2022-06-15
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. (DE)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-06-15
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. (DE)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-06-15
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. (DE)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-06-15
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-06-15
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-10-21
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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (CA)

Truist purchased my mortgage from guarenteed rate on XXXX XXXX the day I paid guarenteed rate. They immediately reported my account delinquent to the credit bureaus instead of waiting the 60 day window for me to sort out where the payment was to make sure I did not double pay. I was told by a truist representative that the late payment report was based on an accounting error by truist : their system says they have owned my mortgage for months longer than they actually have. However no matter how many times I call I can not get to anybody who can actually fix the problem, they just submit support tickets endlessly. This should be a simple dispute since they are supposed to wait 60 days, but the credit bureau dispute I filed was not successful.
Consumer complaint received 2022-06-15
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-10-21
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. (AZ)

In reference to my CFPB report XXXX. The Credit Bureau Experian, received a complaint from XXXX XXXX XXXX Rewards Card that I was over 30 days late on the last payment on this account for {$23.00}. All payments to this credit card company had been on auto-pay. My credit score was rated as good until this late payment was received from XXXX XXXX. I disputed this allegation to Experian, but my credit score still plummeted. In my dispute, I explained that this was in retaliation against me for filing a complaint to the cfpb. I further explained that I could not be late on payments because this account was on auto-pay. 
I had written Experian a letter and included three statements from the credit card company showing the statement " Auto-pay ''. 
Experian denied my dispute. 
This was during a time I was attempting to get a Home Owners Line Of Credit on my home and I was denied.
Consumer complaint received 2022-06-15
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. (CA)

I submitted a letter to the Experian XX/XX/2022 to update this doubtful information. I think you have not authenticated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP (ID)

I received a call from someone at Cawley & Bergmann, a supposed collections agency. I keep an eye on my collections because my husband and I are trying to pay down debts to buy a home. I have NO debts to this company or a previous company. I refused to provide information to the caller since they wanted to verify my identity and I have no knowledge of this company. The phone number they called from was clearly spoofed.
Consumer complaint received 2022-06-15
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 sent notice to experian, along with a police report, that my identity was stolen. i requested the items that I noted, be removed from my credit report, because they were fraudulent. These items were not removed, and it took more than 45 days for me to receive a response from them.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (NY)

I have a loan with XXXX XXXX  XXXX/XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and ( Account Name ) with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

USAA Bank XXXX Department in XXXX XXXX Texas Refuses To Send A Criminal Written Disclosure In The Dispute Of USAA Member Checking Account in XXXX that Was Confirmed as An Illegal Agreement by USAA Bank and XXXX XXXX  by XXXX Contact in XXXX and Is A Horrific Financial Fraud Criminal Act that Requires An Immediate Written Disclosure to Claimant XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2022-06-15
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. (FL)

In Accordance with the fair credit reporting act XXXX account # XXXX Account Name : XXXX 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.
Consumer complaint received 2021-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

The mortgage company Mr. Cooper took unauthorized payments out of my bank account multiple times over resulting in financial stress for a number of days. Their customer service has been nonexistent telephone numbers are busy or they dont answer Ive tried for at least XXXX hours to call him with no luck. I fear that theyre going to do this again.