davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I notice in may if this your about all the inquiries kept coming on to my credit report i didnt authorize starting in XXXX I sent them all types of proof I called over and over and then now its has been a security breach with them
Consumer complaint received 2020-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (OH)

UPON CHECKING MY CREDIT FILE, CAPIO PARTNERS HAVE REPORTED TO MY TRADELINES AN ACCOUNT THAT I ALLEDGELY OWE FOR XXXX. I HAVE NEVER RECEIVED ANY NOTIFICATION, ANY RIGHT TO DISPUTE OR ANY INFORMATION VALIDATING THIS DEBT. 
I NEVER WAS EVEN GIVEN THE OPPORTUNITY TO DISPUTE THIS DEBT AS REQUIRED PER LAW. CAPIO PARTNERS WAS SUPPOSED TO PROVIDE ME WITH AN OPPORTUNITY TO DISPUTE THIS DEBT AS WELL AS PROVIDE ME WITH VALIDATION OF THE DEBT AS REQUIRED PER THE FAIR DEBT COLLECTION PRACTICES ACT.
Consumer complaint received 2020-02-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld Systems violated my consumer rights. A representative from Transworld Systems whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that XXXX XXXX  is currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay Transworld Systems. I did not know that a representative from Transworld Systems could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called XXXX XXXX to verify their " tax season promotion '' and XXXX XXXX XXXX representative ( # XXXX ) stated this is not true.
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a form MC-012 from an attorney from an attorney representing Midland Funding, XXXX XXXX XXXX XXXX, State Bar no. XXXX, Midland Funding, XXXX XXXX XXXX  XXXX  XXXX, # XXXX, XXXX XXXX, CA XXXX, on XX/XX/XXXX, ( XXXX County Court case no. XXXX ). In that form, the attorney claims that I still owe Midland Funding {$520.00}. It also states in that letter that I have already paid {$2800.00}. I called Midland Funding at ( XXXX ) XXXX, on XX/XX/XXXX. The person that I talked to ( XXXX ) said that I have already paid {$3400.00}, but that I still owed {$560.00}. As you can see, there are discrepancies in these amounts. The second person that I talked to at Midland Funding also said that I had paid and owed the same amount as the first person that I talked to. I went to XXXX XXXX  to inquire about the credit card acount in question. The manager at the XXXX XXXX CA, XXXX XXXX said that the credit card debt had been settled for {$2900.00}, but couldn't give me an exact date ( I believe this was in XXXX ). I believe that I paid this debt at least 6 years ago, and these guys have tacked on additional principal and interest, and are trying to collect on an old debt that is definitely older than 4 years ( statute of limitations is 4 in CA ). I also visited the XXXX County courthouse in XXXX XXXX, CA, and the clerk said that this document ( MC-012 ) had been filed back in in XXXX.
Consumer complaint received 2022-08-18
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Best regards, XXXX XXXX
Consumer complaint received 2020-12-17
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. (CA)

Due to me being a victim of identity theft I spoke with XXXX at XXXX  on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX  credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at XXXX  about an unauthorized account " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my credit report
Consumer complaint received 2023-06-29
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. (IN)

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt.

* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (DC)

I've encountered severe unemployment and business issues as a XXXX american suffering from discrmination. 

I shared with BB & T these matters in XXXX. 

I sought a workeable repayment plan or a way to settle the account for less than the amount owed. 

I like many Americans, started having Covid-19 effects on finding employment and a business I pursued became unable to function. 

XXXX Americans have had tremendous issues getting the PPP and the otehr CARES programs are still virtually unavailable to us. 

I've called BB & T multiple times in XXXX, XXXX, XXXX and today trying to ereese negative information and setting up a workout solution. 

I can't get anyone to take my call, correct my credit report, give me data to clear this from my credit history, and work this out. 

I called BB & T this past week ( Week of XX/XX/XXXX ) more than 6 times. No replies, no personell, no date, nothing.
Consumer complaint received 2022-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I noticed a company on my consumer report that is not mine. I sent a letter to the company and they refused to respond. I am demanding verification and validation of this alleged debt. Please take notice this is my notice that I dispute such debt. 

This is a violation of my rights as a federally protected consumer. 


PLEASE REMOVE AND CEASE COLLECTION ATTEMPTS IMMEDIATELY!
Consumer complaint received 2022-08-18
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$0.00}
Consumer complaint received 2022-08-18
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letters to Equifax recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts : XXXX XXXX Date XXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXXXXXX Date OpenedXXXX  Balance : XXXX XXXX-Late/Open Late Date XX/XX/21
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I opened a personal checking account with CitiBank on XX/XX/XXXX. 

XX/XX/XXXX, my paycheck direct deposit funded a balance in the account. 

Since XX/XX/XXXX, I have been unable to login to my account to pay bills or transfer money as they never sent me a debit card. 

XX/XX/XXXX I called 5 different departments only to be told my account has been closed and my relationship with Citibank is to be completely terminated, I have received NO COMMUNICATION of this or a reason why. My money is being held captive with no estimate as to when I will receive the balance or an understanding why I have been terminated.
Consumer complaint received 2022-08-18
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. (MS)

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2022-08-18
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$0.00}
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ID Analytics, Inc. (OK)

On XX/XX/XXXX and XXXX, 2020, I received 4 identical letters from SageStream dated XX/XX/XXXX where they stated that they " received ( my ) correspondence in which I request to opt-in to received  prescreened offers of credit and insurance. '' I never heard of them before, never contacted them to opt-in to anything, and certainly never opted-in to any offers as they describe. 

The letter goes on to state that I notified a consumer reporting agency that I believed I was a victim of identity theft. Several years ago I was notified that my information was in a security breach and I did place a credit freeze for a while, I have never notified anyone that I thought I was a victim of identity theft. 

I don't know what they are trying to do, but this feels like a scam. Therefore I am filing this complaint. 

I will be contacting them to opt-out of said program. 

Thank you.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

Apple Card " Goldman Sachs '' Mandatory needing an Apple mobile device to view the current or past transactions, pay or view the amount due, or challenge transaction. Nowhere in the documentation that this is described. 
Refusal to send paper documentation regarding transaction disputes and monthly statements when no Apple Device is available to view this information, notification was sent to Apple Card " Goldman Sachs '' and also by phone to describe issue but they refused to send information even stated that I must buy an Apple mobile device to see all statements regarding Credit Card.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (AZ)

XXXX XXXX, XXXX uses PayPal as its credit card processor. PayPay froze our account for review/investigation on or about XX/XX/year>. Their website, as stated below, says they are supposed to contact us with further info within 5 days. We have called several times to find out what the issue is and when the account will be reactivated, but no one will tell us anything. 

Reference ID : XXXX Were reviewing your information and will get back to you regarding the status of Ref ID : XXXX within 5 days
Consumer complaint received 2022-03-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sklar Law LLC (MA)

I was a student at the XXXX XXXX in XXXX New Jersey from XX/XX/XXXX to some time in XX/XX/XXXX. Upon removing myself from the course I was told my personal loan was able to be returned to the creditor in full and I would only be responsible for the federal loan portion of {$1000.00}. The XXXX closed due to Covid 19 in XX/XX/XXXX and I am now being sued for {$5400.00} and it appears as if the personal loan was never returned like I was told it was. I cant even contact anyone associated with the XXXX because they are closed and all redirections to obtain my files are now defunct. The company who has now obtained this debt is XXXX XXXX.
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I have to call Mr. Cooper Mortgage company often because my payment keeps increasing. I have a lot of questions for them, often. My problem is every time I call for a question, they are extremely adamant about selling me a refinance. They are greedy as can be, they are far more concerned with grabbing yet another five grand or worse from me by tricking me into yet another refinance than they are with answering my questions. I already refinanced several times and because of refinance costs I owe more than I did when I took out the mortgage over 20 years ago. They are stealing from me and draining me of all my money, then all they want is more. More more more more more money, constantly trying to hard sell me on the phone. THIS NEEDS TO STOP. STOP TRYING TO SELL ME MORE MONEY! STOP MARKETING TO ME, STOP THE PUSHY SALES TACTICS EVERY TIME I CALL FOR A MERE QUESTION!!! Today I was assaulted once again during a call to find out why my payment went up {$50.00} per month, the woman on the phone kept insisting I needed another refinance. This is evil, pure evil. She refused to take NO for an answer. I was forced to hang up on her because she refused to let me go! And their automated phone robot does the same thing, it offers only choices that lead to either paying them or buying something from them. It's infuriating and disgusting.
Consumer complaint received 2020-02-06
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. (OH)

On XX/XX/XXXX my credit card account was opened with a {$500.00} limit. Hadn't used it since I was only using it for the credit from its existence. On XX/XX/XXXXI went to increase the card 's limit to {$2500.00} ( Hard inquiry to XXXX ).

Within a month, I discovered all three credit bureaus were reporting that the credit account 's opening date was changed to the date of the credit increase. A huge no-no, considering this account is one of two ( Three including an auto lease, which expires later this year ) with the account in question being the oldest. I immediately contacted all three credit bureaus and started disputes with them to  correct this information. 

Experian and XXXX promptly confirmed the original opening date and corrected it within their credit reports. Although XXXX  seems to have reverted the correction in the very next report. I am unsure if Experian has adhered to their correction.

Now here 's the beef. When I went to file a dispute with XX/XX/XXXXon XX/XX/XXXX explicitly about the account 's opening date, they concluded on XX/XX/XXXX : " Verified the date of last payment. '' without correcting the necessary information. I opened another dispute on XX/XX/XXXX, making myself even clearer. Same response received XX/XX/XXXX. I nearly just made a third with bountiful supporting documentation, but it wouldn't let me attach any documents because of a few " Bugs ''. 

The bank is reporting the account 's information opening date to the credit bureaus correctly and continues to do so. XXXX, Experian, and XXXX  have received disputes from me regarding the matter. Experian and XXXX  seem to have corrected the issue, but I can not monitor the former 's consistency ; the latter has resumed reporting the incorrect opening date ; and XXXX   has " Verified '' irrelevant information after two separate disputes were filed.

I did some digging about XXXX  's troublesome process ( Or lack-there-of ) and PR quagmire, even stumbling onto a recent lawsuit regarding similar issues that I'm experiencing. Time to step my game up and get someone to light a fire under their pants, my credit is on the line. We're talking about a 60 point+ neutering that drop kicked me two brackets down.