davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate the time taken to address some of the items in my file allegedly stemming from fraudulent activity. However, there remains an item that requires removal. Pursuant to FCRA Section 605, you are obligated to remove any items listed on an Identity Theft Report, numbered # XXXX. I have already detailed these issues in the aforementioned report and in previous correspondence, and I am reiterating them here alongside the new FTC report, numbered # XXXX. I have apprised my attorney of my intentions, and they are prepared to take appropriate action in the event of willful noncompliance. Below are the items that have yet to be removed from my credit reports, categorized by bureau : XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX charge off XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ========EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any automated verification methods.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I made extra payments on XX/XX/XXXX and XX/XX/XXXX to the tune of about {$11000.00}. 

SPS , Inc. has refused to apply this properly. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No one has been able to apply this properly and I keep being told " they are escalating the process to give it a few more days. '' I am paying interest on a balance that is not correct and they refuse to fix it.
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed several things on my credit report. Each time TransUnion states they " Have verified the account as mine. '' This includes a collection from XXXX. It is obvious they are not actually validating any of the items of mine. This is clear because one of the items is a collection from XXXX and they are using a collection company called XXXX. I just received a letter from XXXX stating they are unable to locate any account for me. If they have no account for me, how is TransUnion stating they have verified this as mine? Just like the other items I have disputed, they have not verified anything and have violated my rights. I have attached the paperwork from XXXX they sent me.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX XXXX XXXX XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and hospitalized with XXXX  XXXX XXXX XXXX including XXXX.
Consumer complaint received 2022-05-13
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: Paypal Holdings, Inc (MD)

I made on-line purchase of TV on XXXX XXXXXXXX XXXX Since the vendorXXXX XXXX, is not well-known, I choose pay it through the Paypal ( Transaction ID : XXXX ). Once the payment was made, I had bad feeling because no confirmation or schedule delivery email was received. I contacted Paypal to cancel the payment but was told the transaction is not ineligible purchase protection. 

There is no warming or option of selecting such protection when I made purchase. I made purchase based on assumption of big company like Paypal would block fraud. 

As of today, no any response from XXXX and contact email. The seller didn't make any attempt to deliver the goods. It is a fraud and swindler. I tried to alert the Paypal. Its response is that the case is closed. 

I would like bring your attention to Paypal covered swindlers and am wondering how many victims out there.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (GA)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-11-09
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)

I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX XXXX XXXX XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and hospitalized with XXXX  XXXX severe complications including XXXX.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

1. I legally changed my name which was effective XX/XX/2019. I changed it from XXXX XXXX XXXX to XXXX XXXX XXXX 2. XX/XX/2019, my husband and I tried to apply for a mortgage, but there was a refusal on the behalf of Equifax because of the name change. 
3. I contacted them and they requested a copy of the legal order, new social security card, and driver 's license to be faxed to them. Since we do not have a fax machine, our mortgage officer faxed the documents to them on XX/XX/2019. 
4. These documents were obviously received because they started an action on their end is that they used my oldest daughter 's, XXXX XXXX, credit information and attempted to change her name to XXXX XXXX XXXX. Thankfully the only thing they changed was her address to my address. This disturbs me because at no time was XXXXXXXX XXXX social security number or information given to them and her credit file should never have been accessed or changed. 
5. I called them on the mistake and they are saying now that they never received the documents, which I told them was a lie because they initiated an erroneous action. My name has yet to be changed on my credit report and obviously, I am a little hesitant to fax them my social security card and driver 's license again because that is sensitive information that they mishandled everything and lost the first set it seems after they made the errors.
Consumer complaint received 2019-03-24
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 (AL)

I went to XXXX XXXX XXXX  on XXXX19. They had hard inquiries placed on my report repeatedly without my consent..The first was Capital One Auto Finance and the other was XXXX XXXX XXXX.They never said a word to me about either of the two .I dont even know how they did it if I wasnt there to agree to it.This one done on all 3 bureaus XXXX, XXXX, and XXXX..
Consumer complaint received 2022-10-19
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: Self Financial Inc. (NJ)

To Whom it May Concern ; This is in reference to the Consumer Report sent by SELF FINANCIAL. While checking my credit report, it came to my notice that SELF FINANCIAL has furnished an account ACCOUNT # XXXX on my Consumer Reports. 
According to XXXX5 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF FINANCIAL will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 
15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXXimmediately.

This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or SELF FINANCIAL, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. 
If you do not cease communication I will escalate the matter to a Federal Complaint. 
XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/2022, a transaction for {$1500.00} was externally transferred from my savings account at Boeing Employees Credit Union ( BECU, routing number XXXX ). 

This transaction is marked as " XXXX CREDIT CARD CSQRPAYMENT - PAYMENT '' I have no business with XXXX, nor do I hold any related card. ( My card holdings are with XXXX, XXXX, and XXXX XXXX XXXX, XXXX co-branded with XXXX XXXX XXXX. ) On the evening of XX/XX/XXXX, I was doing routine account maintenance and noticed the missing money. 

On the morning of XX/XX/XXXX, I contacted the fraud department regarding an erroneous transaction. The agent identified the account name as " XXXX XXXX '' ( I am not XXXX XXXX, nor do I know any such person ). I completed voice authorization for a " written statement of unauthorized debit '' and was told this would take 2-5 business days to complete. 

BECU created a new savings account and transferred the remainder of my savings funds, but has not restored the missing amount. 

Further, the new savings account is of a different account type ( " XXXX XXXX '' instead of " Member Advantage '' ), which is forfeiting premium interest rates, free services, ATM fee refunds, and other services of value. 

It is now Friday, XX/XX/XXXX, and I have received no further communication or update from BECU, and have not had my money returned.
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CO)

We had a lease at an apartment complex but my husband lost his job and was forced to take a job in another state. We could not afford the lease. We never missed a monthly payment with the Apartment complex and notified them when we paid the rent for the month that we were forced to move and that we had to break our lease. We under stood there would be a penalty at the beginning of the following month for doing this. We were in contact with the leasing agency, we cleaned the apartment and allowed them to rent it out immediately after we left so the apartment never sat empty and was paid for every month we were there. We expected to lose our deposit and were prepared to pay a fine. However, years later we noticed that there is a collection for over XXXX dollars on my credit report. We have tried contacting the company to find out what it was for. Have never gotten a true breakdown but this is not owed to this extent. We would like help getting it removed considering the complex actually made more money by leasing out the apartment with no " sitting vacant down time '' because we communicated and paid them every month and they kept our deposit. please help us. We have tried to get it removed and even tried negotiating with the company nut had no success.
Consumer complaint received 2022-05-13
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. (IN)

in accordance to the Fair Credit Reporting Act and XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (PA)

I tried on XX/XX/XXXX to send money from my bank account to a friends bank account in XXXX through Western Union. It was {$4000.00}. The money was taken from my account on XX/XX/XXXX, and I was told that it would be available to my friend by XX/XX/XXXX. When it did not arrive on that date I called and emailed Western Union. I was told that a trace would be put on the transaction and the money would arrive in two days. When it did not arrive I called and emailed again. I was told that the money would arrive in five days. When it did not arrive I requested that my money be returned to my bank account. It is now XX/XX/XXXX and the money neither arrived at my friends account nor was returned to me. Western Union is doing nothing but ignoring me.
Consumer complaint received 2019-04-26
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. (NV)

Unverified Account Account Name : XXXX XXXX XXXX   Type : Collections Date Opened : XX/XX/XXXX Balance : {$1100.00} Debt : {$1100.00} Ive disputed this account information as inaccurate with Experian. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they're unable to provide me a copy of verifiable proof, they must remove the account. 
I mailed a Dispute Letter to Experian. Experian responded that the account being disputed was verified as accurate without providing me with any information on who or how it was verified by. They failed to provide me with any proof that the account belongs to me. I disputed the same account with XXXX, in their investigation no evidence was found that the account belonged to me, so the account was deleted. 

Dispute Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Experian To assist Experian resolve this issue I mailed my own Request for VALIDATION, NOT Verification letter to the original creditor ( XXXX XXXX XXXX ). I requested XXXX XXXX XXXX to provide me with any proof that the account belongs to me. XXXX   XXXX XXXX never responded. 
First Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by XXXX XXXX XXXX A second Request for VALIDATION, NOT Verification letter was sent to XXXX XXXX XXXX. XXXX XXXX XXXX failed to respond again. 
Second Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by XXXX   XXXX XXXX. 
After XXXX XXXX XXXX failed to response after my second attempt, I mailed a Seond Dispute Letter to Experian. The dispute letter included copies of my VALIDATION, NOT Verification letters that I sent to XXXX XXXX XXXX with proof that they were sent and received Second Dispute Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Experian Attachments Include : Copy of my first Dispute Letter sent to Experian ( with proof that it was sent First Class Mail with Tracking and Received by Experian ). 
Copy of my second Dispute Letter sent to Experian ( with proof that it was sent First Class Mail with Tracking and Received by Experian ). 
Proof that the same account was investigated and deleted by XXXX. 
Copy of my first VALIDATION, NOT Verification letter sent to XXXX   XXXX XXXX. 
Copy of my second VALIDATION, NOT Verification letter sent to XXXX   XXXX XXXX.
Consumer complaint received 2019-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

I sent a validation letter to Financial Data Systems ( FDS ) dated XX/XX/2019, requesting that the company validate reference no. XXXX which is currently being reported to the credit bureaus. In my letter, I also specifically requested evidence showing the company 's legal authority concerning this matter. More specifically, I requested a copy of the alleged contract or instrument bearing my signature. In addition, I specifically requested proof FDS is authorized to collect this debt and has the legal authority to do so. 

FDS responded to my first request for validation in a letter dated XX/XX/2019. Included with the letter was a copy of a statement from XXXX XXXX XXXX in which the description of the services were redacted. 

In a letter dated XX/XX/2019, I again specifically requested that FDS provide me that the company is the legal owner of the debt, and that FDS has the legal authority to collect this debt, as well as a copy of the contract bearing my signature. 

FDS has not provided evidence that the company is the legal owner of this debt and that the company is authorized to collect the alleged debt as I have never had an account or contract with FDS. Therefore, I have no legal obligation to pay a debt that can not be validated with proper evidence. FDS is not in compliance with federal credit reporting laws and is reporting inaccurate information to the credit bureaus. I hereby request that FDS promptly remove any and all references from all three credit bureaus and cease and desist all communication with me concerning this debt.
Consumer complaint received 2022-05-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: New Era Asset Management, LLC (FL)

XX/XX/2022 - I have disputed this " debt '' in writing, and over the phone with XXXX XXXX XXXX, with New Era Asset Management ( XXXX ). I have repeatedly asked him not to contact anyone other than myself, and he calls other family members leaving harassing voicemails on their phones. This is for a fraudulent payday loan company that I have never had any contact with, yet this person continues to harass me and my family.
Consumer complaint received 2020-12-22
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: SYNCHRONY FINANCIAL (FL)

Back in XXXX a Guitar Center employee signed me up for a credit card only to find out that the product I wanted was NOT available. So because of this I closed the account with them because I did not authorize a hard pull due to the fact that the item that I wanted was not available. This is XXXX XXXX because when I went to go get a XXXX Credit Card last week they did a hard pull and told me that I was denied because of Synchrony Banks/Guitar Centers mistake. My credit score is XXXX so I really don't see the problem besides it being that. I need to get Synchrony Bank off of my credit report immediately so I can be reconsidered for the XXXX store Credit card.