davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (IL)

Dear CFPB Team, I was a victim of identity theft in XX/XX/XXXX. I obtained a police report. I received phone calls from Apple about a Apple Credit Card which I reported to Apple on about XX/XX/XXXX this was a fraudulent account. Apple turned this over to collections. 

Goldman Sachs which is the financial institution that administers this credit card throughout the month of  XX/XX/XXXX and XX/XX/XXXX continued to make collection calls on a known fraudulent account after told to stop. My credit report had a negative finding of this outstanding account. After contacting Goldman Sacks corporate and going through numerous barriers it was removed but there are still references of Apple and Goldman Sachs on this account. They never had my permission to call my cell and continued to call after told to stop and informed this was a fraudulent account. 

Please note both Apple and Goldman Sachs agents refused to provide documentation of this fraudulent account in order to add it to my police report.

Attached is the police report, verification my cell is on the Do Not Call Registry, call log, and redacted credit report.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Today I was told by XXXX a supervisor At EXPERION. that I will not be helped. Because they have nots in my file. Have a nice life and hang up on me. ( They are not happy because every month they have fraudulent attempt to lower my score ). And I catch it every time. Attachments show the lies EXPERION tell so at this time they are cleverly displaying that they were not remove therefore see generated score factor. Why why why me lord.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. XXXX XXXX XXXX Account # XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I had a mortgage with American Servicing company. I had a financial hardship. I was denied any type of lost mitigation. My home was illegally foreclosed on. Now this creditor continues to report it late every month and it has been over 4 years. THIS WAS AN ILLEGAL FORECLOSURE. They continue to report inaccurate information on my credit file. After so long they can't continue to report late payments every month. They drop my credit XXXX points every time they report the late payments after all of these years
Consumer complaint received 2020-02-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (TX)

Repeated phone calls from Well Fargo Dealer Services XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2020-02-19
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. (AL)

UNAUTHORIZED CREDIT INQUIRIES : XXXX  XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  XXXX   Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-02-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

XXXX  XX/XX/XXXX XX/XX/XXXX or the XXXX of XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me XXXX  let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so XXXX   handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got XXXX XXXX with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )
Consumer complaint received 2020-02-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

XXXX  XX/XX/XXXX XX/XX/XXXX or the XXXX of XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me XXXX  let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so XXXX   handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got XXXX XXXX with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (MN)

I contacted Genesis Financial for the debt owed on my XXXX Indigo account back in XXXX of 2021. At this time, it was reporting negatively on my credit report but had not yet shown up as collections on my credit report. Genesis Financial were not willing to negotiate the debt at all and had informed me that it had been sent to collections, XXXX to be exact. I contacted this company by calling XXXX and set up arrangements for a settlement to be paid in full on XX/XX/XXXX. I explained that I was getting ready to purchase a home and it was important to me to get things cleared up quickly and before any collections hit my credit report. The lady I spoke with assured me that they would contact the credit reporting agencies within two weeks of receipt of payment to report the debt as paid, settled in full. They drafted {$510.00} from my checking account on XX/XX/2021 and I received a confirmation letter shortly after confirming the debt had been paid. 
Today, XX/XX/2021, I checked my credit report as I WAS supposed to be applying for a home loan next month and XXXX showed up on my credit report as owing a balance of {$330.00} on an original balance of {$840.00} to Genesis Financial. I called the company to see what happened and they stated that there was a mix up in communication and the settlement was never reported to anyone, and not only that, but on XX/XX/2021 XXXX reported this debt that had been paid, as collections to the credit reporting agencies. Over 45 days AFTER the debt had been paid, they reported as collections, even though it had been paid. I am very upset and asked the person I spoke with at XXXX, since they knew it had been paid in XXXX and then still reported in XXXX if they could correct their error and contact the credit reporting agencies and have the collections account removed. They said they would not and was adamant that the information currently being reported was correct. I have PROOF this account was paid and have a letter from XXXX confirming receipt of payment and settlement of debt and they STILL WOULDN'T do anything to remove the account. 
I would like this debt to be completely removed from all three credit bureau accounts, as well as the original creditor to be reflected accurately, as it still shows that it's in derogatory status and unpaid.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (FL)

My XXXX XXXX credit card posts charges from PayPal to my account. I do not have a PayPal account, nor have I ever given PayPal my XXXX XXXX credit card number, let alone authorize them to forward charges to my credit card account. When I question a charge both PayPal and XXXX XXXX tell me that I must contact the company making the charge. In a current case, the charging company " XXXX '' has no address or phone number on the Internet. Neither XXXX XXXX nor PayPal can provide either. My Internet search reveals numerous complaints about this company, alleging fraud. 

PayPal forwarded a charge To my XXXX XXXX account from XXXX on XX/XX/2020 in the amount of {$22.00}. This is not the first time that charges have been made through PayPal from unknown companies, but it the first time I have tried to investigate and pursue a complaint. 

I have requested PayPal to stop accepting charges in my name from anyone, but their customer service representative expressed doubt that such could be done. 

I have requested XXXX XXXX to stop accepting charges to my account from PayPal. The only redress they offer is to cancel my current credit card and issue a new one - in 10 days, unless I pay them {$20.00} for faster service. Can consumer protection laws help me in anyway?
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: HireRight Solutions, Inc. (CA)

I have applied for a job XXXX and on my credit report I have XXXX civil case which are not mine. Case # XXXX XXXX XXXX XXXX. I never applied for this loan. Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have never owned a home to have any construction work done on. And case # XXXX XXXX XXXX XXXX XXXX XXXX, that is a fraud case and I would like someone to look into that asap. I have never had any criminal activity on my record and again my name was not XXXX until 2013. My name is also listed as XXXX XXXX XXXX which has never been my name. I was born XXXX XXXX XXXX and married XXXX XXXX, 2013 as XXXX XXXX XXXX. Please correct.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (OH)

Credit Card from AVANT was sent to incorrect address, when corrected they stated they reissued the card on three different phone calls, card was never received or activated but they still billed the annual fee and put this as an open account on my credit report. Credit companies refused to remove it. I called several times regarding the {$39.00} annual fee they said I wasnt responsible for it because I didnt have a card but wouldnt put it in writing, wouldnt remove it from the account or my credit report. I had to cancel the account its been over a month back and forth with them. This place has shady practice, Ive never had a card show open until I actually activated the card. I never received a card from AVANT.
Consumer complaint received 2021-08-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Garcadia Financial LLC (TX)

Foursight Capital is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft.

15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Foursight Capital has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Foursight Capital has furnished information associated my my social secutiy number which is a credit card pursuant to 15 U.S. Code 1602 ( l ). Foursight Capital has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan.
15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc. (TX)

Having gotten furniture with an ex significant other, the relationship did not last. All payments were made on time up until the split. When the split happened i was the on who moved out and my ex kept the furniture. 
I contacted the company after this ordeal and informed them to come get their product as i was no longer going to be in need of it. I gave Conns the address and contact info for my ex. 
They did not go collect product nor attempt to contact the other involved. 
They continued to bill me and sent contract into collections where they made some sketchy changes to the payments made/received on my account before sending to collections. Odd payment amounts for interest bearing and longevity. not professional. 
the fact they did not contact me or the ex to set up time to retrieve product and continued to charge/bill is bad business practice.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

XX/XX/XXXX - Sent letters to XXXX, Equifax, and XXXX  disputing an inaccurate chapter XXXX bankruptcy reporting to my personal credit report. 

XX/XX/XXXX - XXXX, Equifax, and XXXX   responded stating the chapter XXXX bankruptcy inaccurately reporting to my credit report was verified XX/XX/XXXX - I requested method of verification from XXXX, Equifax, and XXXX. 

XX/XX/XXXX - XXXX  has deleted the inaccurate chapter XXXX bankruptcy, XXXX  has the dispute currently under review, and Equifax has not responded to my method of verification request.
Consumer complaint received 2020-02-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

we purchased a loan on XX/XX/2013 we were told by the loan officer from chase that are mip mortgage insurance premiums we tried to pay upfront before we signed the contract and they tell us would be off after 5 years and that our mortgage would be {$300.00} dollars less and the loan officer told us that don't worry that everything would be handled you will see the mortgage insurance disappear., but know we were bought out by another lender XXXX we ask the customer service rep about why the mortgage insurance premium didn't disappear, they looked at the original loan agreement and told us it was 30 years for the mortgage insurance, my wife and I are truly upset because we were taking advantage of cause we feel like we were lied to from the loan representative from chase.
Consumer complaint received 2021-04-16
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. (NY)

I AM TIRED OF WRITING XXXX, XXXX EXPERIAN ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT
Consumer complaint received 2020-02-18
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. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX   XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear Sir/Madam, I have an account with paypal for like nearly 10 years. Last XX/XX/XXXX I received an email from permanently limited for a potential risk. Which I am confused why would my account be a potential risk that the account doesnt have any transactions for the past 8 months. I called paypal 3 days ago to allow me to withdraw the funds for $ XXXX as their is no potential chargeback or whatsoever as their no transactions for the past 180 days. The customer service responded that it is their system that they hold the funds for 180 days even if is no transactions for like 8 months. How that abide their rules or policy stating on their email that they hold funds for 180 days for potential chargebacks which I do not have any payment received for the past 8 months. This is not fair holding the funds for 180 days without any valid reasons, it is just because their system default for holding 180 days even if their is no potential risk of having a financial recovery as the account doesnt received any payments for the past 8 months ( last transaction XXXX for {$78.00}. 

My paypal email is XXXX Reference ID : XXXX
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT