davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. CAVALRY PORTFOLIO SERVICE
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (FL)

This debt collector Capital Accounts LLC contacted me on XX/XX/2022 by mail for medical bill of XXXX. However, I never visited this urgent care and I contacted the debt collector to mail me the original debt, they never sent me the original debt. 

Instead, they hung up on XX/XX/2022 when I contacted them. They keep asking for my other information instead. 

The Debt Collector Address is Capital Accounts LLC XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX TOL Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-10-19
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
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)

The credit bureaus have failed to comply with my request to delete all inaccurate personal identifying information such as ; misspelled names, incorrect current and previous addresses. I have mailed multiple letters to the bureaus all of which have gone unanswered. I have been disputing and challenging the inaccuracy being reported on my credit reports for a couple of months now, maybe even one year. I ask that you please help me assert my legal rights and enforce the credit reporting agencies to comply immediately. Their willful disregard has been extremely injurious to my credit profile and I am at my wit 's end.
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Credit inquiries I have not authorized on my credit report with transunion XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

The fees of the company seem Highly inflated and every time i've called to get more details on the fees of my loan, the representatives can not fully explain the breakdown of the charges. The maturity date on my autoloan is XX/XX/2018. I have had 3 payment extensions during the 60 month term of the loan. My monthly payment is {$420.00} so therefore my loan balance should be around {$1200.00} but instead the balance is {$3200.00}. My auto loan was also transferred from XXXX to Westlake Financial about 30 months into my loan and without my consent. 

Furthermore, the original amount financed was {$13000.00} yet, as of today I have made {$21000.00} in payments and STILL have another {$3200.00} before the loan closes
Consumer complaint received 2018-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica (KS)

On XX/XX/XXXX I looked at a property to rent to own in XXXX XXXX Missouri through a company called XXXX XXXX XXXX XXXX also XXXX XXXX. Their owner is XXXX XXXX. I entered into an agreement to purchase the home on XX/XX/XXXX with the deposit being a XXXX to XXXX money transfer since their office was a six hour drive. On the XX/XX/XXXX when I arrived in XXXX XXXX to take possession of my home the door was locked which all of XXXX XXXX XXXX are unlocked. I called them to ask how to get into the property and was told to " break into my home '' or " find a window open. '' I finally found a window that was open. When I opened the window the fumes of natural gas nearly made me sick so I called the Emergency number for XXXX XXXX XXXX who sent a technician out along with the fire department and police department. When the police officer got there she said I tried to buy this house you have been the latest victim huh! This house should be condemned but won't be because we don't have code enforcement. The fire department shut off the natural gas due to a pipe being stripped inside the house. XXXX XXXX XXXX said no utilities could be reconnected because someone had stripped the utilities out of the house. When I called back to XXXX XXXX XXXX they said well it is your house now fix the problems. They are not saying the house can't be fixed and you purchased the house as is. When I agreed to purchase the house the utilities were on or had recently been on so this problem is recent. They are refusing to refund my money or switch me to another one of the properties that they have for sale. I drove back to XXXX XXXX which is two hours from XXXX XXXX with two dogs and a cat to borrow from my mother for a hotel. I put in a complaint to the XXXX Store that the money transfer from, the bank card which is a XXXX XXXX XXXX XXXX, and the Attorney General of Missouri along with the Federal Trade commission. All of which said they have no recourse. The amount of purchase was for XXXX with a XXXX transfer fee. XXXX XXXX picked it up in a XXXX store outside of XXXX XXXX. XXXX XXXX the bank involved with XXXX said in the future XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX would not be able to wire money or transfer funds using XXXX stores but because the transaction had been initially approved by me that they had no recourse to get me my money back. I did approve the transaction until I knew that the house had been damaged by the squatters that had taken up residence in the house that I had looked at. The house while in poor condition at the time I looked at it was at least able to have utilities turned on. The value of the house at the time I looked at it was XXXX and the repairs are well over that
Consumer complaint received 2022-10-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

How do I get Experian to answer 2 very simple questions. In a previous complaint # XXXX, I asked for the 2nd time for Experian to provide me with : " 1. What date did Experian receive an AUD from XXXX for XXXX, XXXX  for an account in my name? 
2. What date did Experian update my Credit report with the information they received from XXXX in XX/XX/2022. 

Thats it, two simple questions which Experian seems afraid to answer.
Consumer complaint received 2021-11-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (GA)

National Credit AdjustersXXXX XXXXXXXX XXXX XXXXXXXX XXXX VISA is illegally reporting my private information to an uninterested third party/public reporting agency without my authorization, and attempting to illegally collect a debt. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA. 

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me.

2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my Location Information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with National Credit Adjusters for any reason and revoke any alleged or implied agreements made on my behalf without my knowledge or consent.

4. The Finance Charge should have been my balance [ per 15 USC 1605 ], which means this alleged debt is not the correct amount showing on my Consumer Report. This was not disclosed to me properly. 

This is an official notice to cease and desist collection and communication attempts, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of all violations of federal regulation.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. Auto Sales Inc. (GA)

US AUTO FINANCE/US AUTO has been reporting worng for the past 5 years. I have called them directly as well as sent a letter. This accoutn was in a bankrupty back in XXXX 2016. I have asked them to fix this and also for the report bureaus to update this as well and they still have not done this.
Consumer complaint received 2021-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust holds my Subsidized and Unsubsidized Federal loans- they have not been refinanced, they are simply being serviced by Suntrust . The principal is greatly more than the original principal amount now. I was looking forward to some relief from the CARES ACT with 0 % interest so that we could work hard and restore our family 's emergency fund that has been depleted due to significant cuts in pay due to being unable to generate volume at the office due to covid19 restrictions and precautions. We have spent the entire period of CARES ACT 0 % with continued payments and interest accrual. It seems that a loophole of the CARES Act is that private servicers of federal loans are not required to provide any relief at all. Is it possible to have the amount of the accrued interest credited retroactively to my account? Please advise. Thank you for your attention.
Consumer complaint received 2021-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

This is a fallow up of the claim XXXX agains XXXX XXXX but this is for PayPal to be forwarded with new complain thanks. 

On XXXX I was in XXXX from the XXXX to the XXXX XXXX, in XXXX county Ga. I let my XXXX  ( XXXX and XXXX  ) here at home, only had my XXXX with me that police took when I was in XXXX, a person that I know for 10 years was staying in my home and he was the one that took the money and my XXXX XXXX with all my info, he changes passwords and make emails aliases and took money from the PayPal account {$19000.00} dollars first he took on the XX/XX/XXXX $ XXXX $ XXXXand XX/XX/XXXX {$4000.00} and the XX/XX/XXXX {$5000.00}, on XX/XX/XXXX {$5000.00}. For a total of {$19000.00}. Mycousing bond me out so when he know this he just took all his things and leave my home so I can not notice nothing but I came back home at XXXX and inmidiatly try to call PayPal but nobody answered then I call my bank because my debit card was linked to PayPal and they can took the last 2transactions of {$5000.00}, it was pending so she pass me with the dispute department I explain all this and they dispute the $ XXXX.but said he has to connect me with fraud department, and in here they freezes my account and debit card at next day I went to the branch and personally talk with the manager open a new account has to open a new email just for my Mobil app of the bank, and run XXXX XXXX, by the way at this point my a XXXX XXXX was complete erraise and hidden on the basement were this person was living I use my XXXX to search for the XXXX and both was loose or stolen then I only rod the air I exchange passwords and all XXXX  accounts all this was a lot to the point that I went to buy another phone and now the bank does not want to get involve and apply the chargers of PayPal with a stupid excuse that I use that account on that time to-pay XXXX but that is an automatic charge so they take that like proof that I use the account I have XXXX for 3 years well that why decide not to add my money to my accct. And no dispute the charges .Now paypal wants to charge me and the manager of the branch was especific on that I do not have to call PayPal he said because they are linked to us. He was a very helpful person he fill all the documents attached here, but the problem is with dispute even that they make me change my accounts they denied all dispute. 
After all this PayPal said that I give my password I guess they do not understand I have my XXXX XXXX stoked and then hack my passwords by the XXXX and on top never make transaccin like giving money like that that will have to be a red flag that I did not make that transactions. They value me like a customer and I think they are on the side of the thief so what I use this businesses if I was the one that is make in a droid he can go to the police and take action why my bank and PayPal not believe what I said is ridiculous. Thanks for your help!
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZuntaFi Corp (CA)

In XX/XX/XXXX I contacted XXXX XXXX ( doing business as XXXX XXXX XXXX ) and paid for services to be completed for an offer in compromise for the IRS. 

I paid {$3100.00} to them via my credit card on XX/XX/XXXX, signed an agreement for them to negotiate on my behalf and submitted all requested paperwork. 

On XX/XX/XXXX XXXX I was told that the Offer in Compromise had been completed and I needed to submit an agreement to Zuntafi for {$12000.00} to pay back money to be sent to the IRS along with the Offer in Compromise. I was told this was a requirement of the Offer in Compromise process. 

I signed the agreement and began making monthly payments of {$620.00} in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX told me the Offer and Compromise was filed and I should hear from the IRS in a few months. 

After about 3 months I reached out to XXXX XXXX XXXX XXXXXXXX XXXX XXXX who told me that it was at the IRS waiting to be processed. I reached out to them over and over again. Finally they stopped returning my call. 

I stopped sending money to Zuntafi in XX/XX/XXXX. They reported a delinquent debt on my credit report. I asked them to verify this debt with Honest Tax. They reached out to XXXX XXXX  and they did not respond to Zuntafi. Zuntafi however did not remove this negative reporting from my credit file. 

I reached out to the IRS in XXXX and they verified that nothing had been filed on my behalf by XXXX XXXX or any other entity. I already knew this in my gut. 

I reached out to Zuntafi again and they did not remove this listing from my credit, kept me in delinquency and sent it on to a collection agency XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX. I talked with XXXX in XXXX and explained my situation. They indicated there was nothing they could do. 

I reached out to XXXX XXXX XXXX XXXX XXXX XXXX again in XX/XX/XXXX. On XX/XX/XXXX I heard back from XXXX XXXX. She confirmed that XXXX XXXX XXXX XXXXXXXX XXXX XXXX never filed an Offer and Compromise or anything else on my behalf. 

I told her this was fraud. She is now attempting to have work done as promised. 

I do not want anything to do with this fraudulent organization and want my money back.
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

I am a victim of identity theft. Someone opened a fraudulent account in my name. I need help getting it removed. The debt collectors name is Midland Funding LLC. They are listed on my XXXX XXXX credit report. Can you help me get this removed from my credit report.
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (NJ)

I XXXX XXXX is writing this letter on my behalf and there aren't no 3rd party involved. I recently check my credit report and notice inquiries on my consumer report that wasnt me. I have attached my document
Consumer complaint received 2022-03-23
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 (HI)

In XX/XX/XXXX. 4 couples booked tours with XXXX XXXX XXXX, for which we each paid {$1900.00}. Then 2 months later, XX/XX/XXXX, Covid 19 was surging, XXXX had severe outbreaks and Americans were not allowed to travel there. 
Our payment ( Non-refundable ) was made in good faith with all intentions to travel. In late XX/XX/XXXX, when it was apparent that we could not travel due to Covid I wrote my XXXX billing ( paid through Paypal ) dispute department to request a credit for a trip that we were unable to take. They eventually found against me, because the company, XXXX XXXX XXXX was willing to extend our payment for XXXX. We still could NOT travel in XXXX. 

It is now XX/XX/XXXX, Covid continues to be a problem in XXXX, the XXXX XXXX XXXX is ongoing, we are XXXX years old and have been at a loss of our {$1900.00} for two years. 

I humbly request your assistence as a consumer who is being penalized for something beyond my control to get Paypal and XXXX to reverse this {$1900.00} charge made in XX/XX/XXXX,
Consumer complaint received 2019-10-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: POPULAR BANK (NJ)

On XX/XX/2019 I received a letter dated XX/XX/2019 from XXXX XXXX, Senior Product Manager at XXXX   XXXX. This letter was in reference to complaint # XXXX to the CFPB ( Consumer Financial Protection Bureau ) for an account closed by said bank. In the letter it was confirmed that the account was closed by XXXX XXXX and an early closure fee was assessed. Also, it states that since the account closing was initiated by the bank, XXXX XXXX would refund the closing fee ( minus any incurring interest the funds gained while in the possession of said bank ) by check in the amount of {$25.00} USD. It is now XX/XX/2019 and I have yet to receive any reimbursement from XXXX XXXX. I've contacted XXXX XXXX 's customer service line and they have no record or initiation of said refund. I was told someone would get back to me as soon as possible on the matter. I'm accounting this information with the CFPB to further expedite the claim.