davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

Dear EOS CCA ; How are you and how you been? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX purchased a car from XXXX XXXXXXXX XXXX XXXXXXXX was the contract servicer. XXXX XXXX sold car loan to XXXX XXXX in the Month of XX/XX/2023. XXXX XXXX is still showing an open loan on my consumer report. If the loan was sold, It should show paid as agreed & or updated to be removed from consumer report. 
XXXX XXXX is reporting old payment history from XXXX XXXX that is incorrect. I did not sigh a contract with XXXX XXXX so how is it possible for them to report payment history from another company. 
How can XXXXXXXX XXXX  report payment history from another car company.? 
I have also sent a Notice of Rescission : rescinding my security interest. I was not given the Notice to Rescind at the time of signing the contract with XXXXXXXX XXXX 
XXXX XXXX was a credit transaction which means I can fill certain tax document to fulfil debt obligations. a 1099 C for cancellation of Debt because it is over {$600.00} ; and it is a bad debt. I have sent both companies a 1099 A- and 1099 C with no response. these forms have been filled with the IRS. 
XXXXXXXX XXXX also just pulled my XXXX credit profile without my permission. 
XXXXXXXX XXXX have been notified to stop reporting until this dispute is resolved. 
I also asked to Opt Out of reporting to my consumer report.
Consumer complaint received 2022-09-28
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. (NY)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-09-28
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. (NJ)

In accordance with the Fair Credit Reporting Act 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 an account without my written instruction.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX I had informed a debt collector to cease and desist calling my number. The gentleman told me he would add my number to the do not call list. 4 days later I receive another phone call from them. They have called me XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I do not have any debt.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello Please can you help me what to do with this issue in my PayPal account? 

I just receive an email from PayPal that telling me that I can no longer do business with them. Right now I don't know what to think. I don't remember anything that i violated like PayPal told me. 

It all started this last transaction in my PayPal account. after I withdraw my money to PayPal and cash in in my XXXX account that I link to them. They send me the notification that I already receive the money and it will just take a moment to appear in my account. Before it's like a minute later, the money will already appear. But this last transaction that Im telling is not happen. And also I notice that I didn't receive a reference number from my XXXX account and no text at all like I always receive when I cash in in my PayPal. 

I also check my history in my XXXX if I receive the money but I didn't receive any. 

Since they send me the notification in my email that they already send the money I decided to email my XXXX account to tell them that I didn't received a confirmation text to them that I received the money from PayPal. 

I remember send the details from PayPal to my XXXX so they can also fix the issue so I will get my money. 
While waiting for my money to cash in in my XXXX account. 

PayPal send this email that I can no longer business with them. I can't see anything wrong that I did to do business with them. And it's really unfair. Because it will really affect my business. I'm worried because right now this is my only way to help my family. Can u help me to restore my account to them? 

Thank you so much
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

XXXX XX/XX/2020 There was a false collection for {$670.00} under my name that should have been resolved already. 15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions. 15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.
Consumer complaint received 2022-09-28
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX -XXXX/EQUIFA XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -DP OF EDUC XXXX 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 2022-01-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

My name is XXXX XXXX, and I have a VA loan with Caliber Home Loans. As of today, XXXX XX/XX/2022, my insurance company hasn't received my insurance company. XXXX XXXX told me that they sent three checks, but none of them have been received by my insurance company. Caliber Home Loans has a serious problem in their Escrow department, as their are many complaints on the XXXX  website regarding the Escrow department. I would like the consumer financial protection agency to investigate this company 's Escrow department. I can reached at XXXX.
Consumer complaint received 2024-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (FL)

I pulled my credit report. I seen an unauthorized debt/collections of {$1200.00}. Reached out to ALLIED COLLECTION SERV to dispute. I let them know the debt didn't belong to me and ask for it to be remove. I've sent the dispute to creditor and bureau. The result came back verified. I filed a report with XXXX XXXX XXXX with case number XXXX because I am a victim of identity theft.
Consumer complaint received 2022-09-28
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (SC)

I closed my bank account with Truist back in XXXX or XXXX of 2022. There was a XXXX XXXX credit line that I paid off and was told that it would close along with my checking. I recently got my credit pulled and Truist is reporting delinquent with past due amount of {$3.00}. I have now which paid that. I was not notified that there was still a balance due on this account. I was under the impression that the account had been closed. I have reached out to Trusit and asked if a letter can be sent to have this taken off my credit report as I feel this was a banking error on their end.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (FL)

I have Opt Out of all credit and banking transactions of any kind to all nonaffiliated third parties of the credit reporting agencies. I have given AppleCard/Goldman Sachs Bank USA/XXXX XXXX XXXX XXXXXXXX notice of opt out in XX/XX/XXXX and the 2nd Notice of Opt out on XX/XX/XXXX. AppleCard/Goldman Sachs Bank USAXXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bililey Act ( GLBA ) ( Privacy of Consumer Financial information ). ( 1 ) This notice is in regard to APPLECARD Customer name XXXX XXXX, XXXX account number XXXX. 
Please see the attached opt out letters and information sent to AppleCard - Goldman Sachs Bank, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-28
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)

This is my another endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had a credit card with capital one since XXXX going on 5 years already I have requested for a credit limit increase twice for account ending in XXXX once in XXXX of XXXX and once in XXXX of XXXX both times they gave me two different excuses why they wont approve me in XXXX they said they were monitoring my credit activity so they didnt approve it then in XXXX they said I have too many recent inquiries so they denied me again.. I have had stellar payment history with them and my credit utilization is 10 percent or below every month but in XXXX of XXXX they approved me for a Capitol one Walmart rewards card?!? I find it odd that they wont allow me to get an increase on my longest standing trade line but will approve a new trade line for me instead? I dont feel they have my best interest at heart as a customer thats had a card with them for 5 years the only reason I have too many recent inquiries is because I had two auto loans in XXXX due to a car accident I had to get another vehicle other than that Im responsible with my credit utilization and my debt to income ratio is excellent I have had stellar payment history so i feel that they should approve me for an increase for account ending in XXXX
Consumer complaint received 2021-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 XXXX a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (VA)

American Credit Acceptance has repeatedly denied me a lower monthly payment even in the face of extreme hardships. They reverse my monthly payment of {$460.00} & its given towards the interest of the loan. Plus they add extra fees every month and before I lost my job I was paying my monthly payments on time & the company never reported it to the credit bureaus but since my payments have been late, they report it every month!! I put {$7900.00} down on this {$20000.00} car and have paid over {$10000.00} towards my car yet I owe more money than I did when I purchased the car!! I owe {$17000.00} as of XXXX XXXX!! Some of my payments I made have been stolen and theres no accountability for the blatant disregard of fraud!!! The site clearly states if your experiencing hardships they will help you but I dont qualify even when the car loan wasnt past due, I didnt qualify!! This financial institution has royally ripped me off!! How can I owe over {$17000.00} after 2 years of payments in the amount of {$460.00}?! Its a complete disregard when Im diligently trying to make a payment and pleading for a lower monthly payment and denied!!! The company repossessed my car on XXXX XXXX & after I paid all the fees plus the outlandish towing fees I couldnt pick my car up for an additional 4 days plus American Credit Acceptance is acutely aware when the car was towed off the property but states my car was towed on XX/XX/21!! The shady financial company & towing service are corrupt!!! They refused to rectify the false information!! I filed a police report the night my car was towed and sent the report to the financial institution plus the towing company and both companies refuse to make the corrections!!! Incomprehensible at the level of fabricating information these companies have displayed!!!!
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

My son fall ill to a sudden XXXX XXXX XXXX in Summer of 2020 and we had two hospital visits XXXX emergency room in XXXX XXXX XXXX XXXX, and since they did not have a children XXXX XXXX, they used emergency services and moved him to XX/XX/XXXX XXXX XXXX for XXXX XXXX my total bills after my insurance paid their share came to be close to 8000 dollars. i contacted both hospitals the same way and XX/XX/XXXX and I have an agreement to pay them XXXX per month, that i am paying. XXXX XXXX XXXX XXXX in XXXX, refused all my calls, rejected all my offers, and failed to reply to any offer i gave them. Finally they sent my bills for collection to a collection agency that now has begun harassing me and my wife a year later. Harris & Harris are calling me and my wife at home and at work at all times. or exactly at XXXX p.m. ( a minute before the required cut off ). My complaint is about both XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX and Harris & Harris.
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (VA)

Someone using my name set up a few utility accounts in North Carolina in XX/XX/XXXX. They were placed in collections in XX/XX/XXXX. I did not receive any communications from the agency until XX/XX/XXXX. I have been sending documentation to establish my identity and show that I did not open the accounts in question. They have gotten every bit of information they need to clear it, minus a police report. My local police office does not issue police reports, but they did provide a letter stating all of the information I reported to them. The collections agency refuses to clear my case until they have a police report even though they have spoken directly to my local police department. There is nothing more I can do from my end, and the agency refuses to clear my case. They are literally holding my credit score hostage.