davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

I received two unsolicited emails on XX/XX/XXXX from pay pal. The first asked me to " confirm my email '', the second " welcoming me to pay pal ''. I do not have, nor do I want to have a " pay pal '' account ''. I do not do business with pay pal. Pay Pal is either opening an account in my name without my permission, or allowing some one else to open an account in my name fraudulently. I did not authorize a pay pay account and I am concerned that pay pal is stealing from me or allowing some one else to do transactions in my name. I do not and will not do business with pay pal and I want any pay pal activity in my name to be stopped immediately as it HAS NOT been authorized by me.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

Issue is identity theft allowed by apartment, and fraud allowed by apartment and utility company. They have a business relationship and neither party has attempted to rectify the situation. Both parties knowingly allowed me to be charged electricity that i did not utilize even after proof was provided. 

If tenant had moved in with utilities set up, i would have never been charged. Apartment is lying, and utility company has allowed it. They could reimburse me and obtain the outstanding debt to the occupying tenant that it belongs to. Apartment has refused to send me their information. 

XX/XX/XXXX was the month i moved out of this apartment. I had to set up utilities with my lease term in the beginning, and I was not allowed to get keys until this had been done. 

When I moved out, the new tenant used my account to set up utilities. The utility company claims it is impossible for the same address to be on two account numbers, and this tenant used my account number knowingly and the apartment never verified their account was set up. 

This violates their move in policy with the apartment complex, and XXXX confirms this by stating the account was never set up in their name. 

I was ultimately charged on auto pay for several months, resulting in thousands of dollars until XX/XX/XXXX when I realized the {$500.00} bill being taken out. 

I called the utility company and apartment complex to try and resolve situation, and be reimbursed for the money. I was given no help on either side, and the utility company sent the following month of utility bills to collections without notifying me or calling about the debt. I had no idea until it reported to my credit report as a collection. 

Now, I have suffered thousands in damages and can not refinance my mortgage any longer. I tried disputing the charges with the credit bureau but because it is my name on the account, they say it belongs to me.
Consumer complaint received 2019-08-30
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. (GA)

I have hard inquires on my credit report that was not authorized by me. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I have had my federally protected consumer rights violated by EQUIFAX on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EQUIFAX has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification XXXX XXXXE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-01-11
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: JPMORGAN CHASE & CO. (WI)

I went to a car dealership. They applied loans for me to many banks and credit unions without my authorization. So, I got unauthorized inquiries on my credit reports
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested a credit report from LCI in the month of XX/XX/2022 via mail, as well as made a CFPB COMPLAINT ON XX/XX/2022. 

LCI is a credit reporting company which reports information without my written consent to to other credit bureaus. 

I have attempted to freeze the credit report with them which has been unsuccessful and they have not provided the credit information they are reporting to me in writing or online. 

After 41 days and counting They have not responded to my previous CFPB complaint either.
Consumer complaint received 2022-07-26
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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. (PA)

Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and update any payments that are listed.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX ( Recent ) has not reported my Mortgage to the credit companies in 6-7 years since I was sold to them from XXXX. Making it look like I do not own property and am not getting the credit I deserve.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Late XX/XX/2021 I moved to XXXX XXXX from XXXX Oregon, I have checking account with Bank of America. I needed to withdraw money from a local ATM couldn't from several weeks. I tried to get online with the bank could not do it. I have called several times to the Bank to no avail, several departments such as Customer Service, International Support, Fraud Desk, Cliente Care Executive Response Team no help whatsoever. I am a retiree who depends on Social Security pension my need is such that I need to pay locally rent, food, transportation besides medication and doctores for my relative that was the reason a came to XXXX to help a relative. It has been already 2 months and no help. I am about to send documentation where it shaws my name including social security number, US passport, US citizenship certificate, my birthcertificate, my drivers license from the state of Oregon, letter from the same bank indicating the date Social Security makes direct diposit. I have nobody to orient me for this case my only recourse was to get in touch with Congressman XXXX XXXX who was able to reach to Consumerfinance.gov. Thank you
Consumer complaint received 2022-07-26
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. (PA)

in accordance with the fair credit reporting act XXXX  account # XXXX, 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 1681 SECTION 604 A SECTION 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have still not received a detailed method of verification response as per FCRA 611 ( a ) ( 6 ) and ( 7 ). My rights are continually being violated in a damaging way. After having exercised my rights to have the two Portfolio accounts, the XXXX XXXX account and the Synchrony account that are listed on my credit report with this company, proven to maintain standing on my credit files, I made a demand for the Method of Verification when those accounts were listed as accurate. I was not requesting the general standard description of Transunions procedures, I was not demanding them to simply state that they were listing these accounts accurately. I was demanding how they came about this decision to list these accounts as verified. What documentation was provided by the data furnisher? Who was spoken to at the data furnisher and what was their qualification to be familiar with the alleged accounts in question? I started this dispute process in early XXXX of this year and mailed the Method of Verification letter on XX/XX/XXXX, so were nearly two months without an answer on this subject. 

Again, I am not interested in nor asking for a general description of Transunions procedures in the case of a consumers disputes. I am demanding as my rights under the Fair Credit Reporting Act provide, a specific description of how this information was verified as accurate. This hasnt been effected with direct letters with the credit furnisher so I am forced to access the CFPB in an effort to get answers. Since this information hasnt been forthcoming in the timeframe in the FCRA, these alleged accounts should be removed from my file in accordance with the law.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC (CO)

In or around XXXX of this year I got involved with Americore ... after some research and assurances that once my payments were made and the settlements with the 4 credit card companies were reached my credit report would read : " account closed/paid in full " and I specifically asked if it would say " settled ''? And XXXX XXXX assured me it would NOT read " settled '' well, over 6 months later and over XXXX payment made totaling over {$7800.00}, one of the credit card companies settled and on my report it reads " settled ''. I contacted Americore several times and spoke most recently with an " XXXX '' who for over an hour ran me in circles quoting the contract I did sign that says they can not control or promise what us on the credit report which they are saying in their advertising and pitching they can and will. They say have faith and when we receive all your money your report will read the lie we promised. I've asked for a letter stating this lie and of course was quoted my contract and told to have faith. In essence no.
Consumer complaint received 2019-09-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX  XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MT)

I was in need of modification due to XXXX. I filled out hardship paperwork and during the same time Faye Servicing sent a letter saying they were taking over servicing the loan. They also had me fill out hardship modification paperwork. A few weeks later I heard from XXXX XXXX XXXX that said I was going to do the modification with them. They had me send them a cashiers check for the attorneys fees. I added XXXX XXXX XXXX to this and it was sent back and they said to make it fast get the gift cards. Stupid now, I live in a rural area so since they had all my info I went with it for XXXX months. I kept all the paperwork. Now I am facing foreclosure in XXXX weeks at sheriff 's sale. I have all the cards still.
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MD)

I received emails from my credit monitoring service about a score decrease and potentially negative records being added. I went into my credit file to find out what the problem was. 

I found that a new collection account had been added to my credit resulting from XXXX attempting to collect a debt. I closed my account with XXXX in XXXX of XXXX. I personally took all of XXXX 's equipment I had in my possession to the XXXX   store located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX on XX/XX/XXXX. I was prepared to pay anything I possibly owed but I was told by the representative that nothing was owed on my account, and I was good to go. They said that XXXX bills are billed ahead of time, and I was paid up. 

Fast-forward to XX/XX/XXXX, I received the notification from my credit monitoring service that a record from SOUTHWEST CREDIT SYSTEM was added to my credit report. Not recognizing the charge, I called them to find out that it was from XXXX. 

Prior to this notification from my credit monitoring service, I received NO notification that I even owed XXXX anything. I called them and they could not tell me any details. They just told me that I had an outstanding bill. However, they did agree that it was strange that this attempt came out of nowhere, almost two years later. After multiple calls and attempts, I reluctantly paid the bill on XX/XX/XXXX, just to get it off my credit. My credit still has not fully recovered, and I'm still not convinced I really owed the {$220.00} that I paid.
Consumer complaint received 2024-03-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX I sent this email I checked my credit report & seen a collection account that I have no knowledge of this is concerning portfolio account for 871 . Under 15 USC 1692 G. According to the FDCPA Im requesting written validation & proof of this debt under FDCPA section 809b You are required to obtain written Validation from the original creditor. Im herby requesting that you provide me with following proof that Im legally obligated to pay you : a copy of the original signed contract or a copy of the credit application that shows Im legally responsible to pay this debt. A complete statement of the amount you are trying to collect from me which includes a breakdown of the principal, your interest and any other fees, the original account number, dates & details of all transactions & a signed contract bearing my signature as proof of validity. The name of the original creditor along with their contact & address Information. Until you provide me with this verification, you must cease all collection efforts as required by federal law under the FDCPA pursuant to 15 USC 1692G. Im looking forward to receiving the requested validation within 30 days. Please cease all communication you may contact me by mail All they sent me was a copy of a credit card statement
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (WI)

I am un aware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe i received proper notification please provide the certified mail with a receipt with my signature on it stating i received it.