davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

I do not owe this company or covered bridge capital anything. The company states in the contract that unless I am paid for my injuries from the auto accident they dont get any compensation. 

I have not received a penny from the accident. There is a contract stating this. 
This company trans world systems is aware the debt being collected is fraudulent and is attempting to collect a debt not owed. I also have a contract stating this to prove this. 

Please investigate this company and covered bridge for attempting to collect debts not owed when no settlement has been received. Since they both have violated the contract stating they will not collect unless I recover a accident settlement ( which I have not ) I now consider the contract void and any amounts they would have received to be voided.
Consumer complaint received 2022-04-02
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. (LA)

This company has allowed a death notification to be placed on my credit file and Im not deceased, Ive asked if there is a death certificate and havent gotten any results. I need to have that corrected.
Consumer complaint received 2019-08-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

This is regarding select portfolio servicing they have the balance of one of my rental homes, it was refinanced around 10 yrs ago with a balloon payment. 
We had forgot about the balloon portion of the loan, however in XX/XX/XXXX we received a letter saying the balance of the loan was due by XX/XX/XXXX we called select porfolio servicing in XX/XX/XXXX and was informed the loan was due however wasn't advised it meant we had to refinance the rental to a different lender. WE where told that everything was fine and there was no issues just keep paying.we got other notices regarding this through out the year! Each time there was not any word about it having to refinance the loan. Then In XX/XX/XXXX They stopped taking payments from us and reported on our credit report that we have late payments. I have none stop been calling them and I was told by a person there whom I have the name that select portfolio would do everything in there power to help resolve the issue. Yet today I called and told them I needed them to remove the late payment off my credit report because the loan officer that's doing the refinance had denied us a loan to refinance because of select portolio. They tell you a different story every time you talk to them, there purposely giving us the run around, They also have an insurance check that belongs to us of XXXX as well as another XXXX tax return
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

I 've had a PayPal account for years. I 've got a linked credit card and linked bank account. 

PayPal is refusing to allow me to transfer money stored on PayPal to my bank as of Sunday, XX/XX/XXXX. The reason given was that I have a " withdrawal limit '' based on U.S. banking laws and need to supply two out of three pieces of information. I have supplied all of the required information and PayPal is still refusing to release my money. 

The pieces of information listed were : 1. supply a linked bank account ; 2. supply a linked credit or debit card ; and 3. provide your social security number. 


I had already provided the requisite two out of three pieces of information, but added my social security number anyway on Sunday, XX/XX/XXXX PayPal still refused to release the funds, citing a withdrawal limit and directing me to the same three pieces of information. When I tried to add my social again, this time it told me that I had done all that I needed to do. 

So, I waited. The next day, which was Monday, XX/XX/XXXX, at approximately XXXX a.m. XXXX, PayPay still would n't release the funds. I called them, but their hold times were long and they do not provide a message stating an approximate time that a caller will have to wait, so I hung up and sent an email instead. In my email, I noted that their website promised a response within 24 hours, so I explained the problem and also explained that I would file a complaint to the CFPB if they did not contact me or resolve the problem in 24 hours. 

I received an automated reply with information available in their " frequently asked questions '' section, which did not help me and which I had already read. I responded asking someone to please read my original email. 

I received a reply from a person, XXXX, that contained the exact same information from their FAQ that had previously been sent to me. I replied that I 'd already done this, and asking someone to please just read my email, but by this point it had been 24 hours and copied and pasted info from a FAQ is not something that I count as contacting me about the problem, as I 'd requested, so I 'm filing this complaint.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Equifax ; XXXX and XXXX should not be reporting that I am ( 30 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.
Consumer complaint received 2019-08-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (FL)

I leased a new XXXX XXXX through Mercedes Benz Finance. I set up auto pay to be sure the payment was never late. I paid on time for 24 months the term was 24 months. 
The vehicle was a gift for my aunt, at the lease end she turned it in. I wasn't aware of the lease turn in fee or property tax. Three months later i receive an alert from privacy guard saying i have a charge off for this lease. I contacted Mercedes to ask why wasn't i notified, and why didn't you charge the account you charged the previous 24 months. 
The answer was we sent a letter, the letter was to a previous address. I asked them if the letter was returned to sender, they said yes.The answer to why they didn't charge my account that was set up on auto pay was, they cant for the turn in fee or tax. 
Now after paying 24 months on time my credit score dropped 150 points. 
It should be illegal for companies to report you as a charge off if they don't have confirmation you received an invoice as well as the mail was returned to them. 

I paid the invoice to the collections company, i was told Mercedes would still report as paid in full late. Not paid as agreed. 
A gift for my aunt turned into bad credit. It doesn't seem fair.
Consumer complaint received 2019-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Social Finance, Inc. (MI)

On XX/XX/2019 at appx XXXX hours, I tried to make an ACH payment on my SOFI Loan ending in # XXXX with my XXXX XXXX checking account ending in XXXX. I gave the proper routing and check number and SOFI said the transaction went through. On XX/XX/2019, I received word that the transaction did not go through. The same day at appx. XXXX hours, I called and gave the same baking information from XXXX XXXX over again. The transaction was said to go through again. It went through on XX/XX/2019 but was from my XXXX XXXX account ending in XXXX. I never gave SOFI permission to take anything from that account. The action left me in the negative on my XXXX   account and it has caused me adverse financial harm. I called SOFI to find a way to rectify this action and talked with XXXX at appx. XXXX on XX/XX/2019. He said they would call be but I have not heard from SOFI since. They had no right to take any money from the account and that needs to be rectified because that is criminal to take from an account without permission. All they had to do was take from the XXXX account like they had permission to do.
Consumer complaint received 2019-08-12
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX / 2.XXXX/XXXX XXXX    XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX / 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX i did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

I have sent a debt validation letter to wells Fargo regarding a debt they are alleging that I owe. They have failed to validate the debt and only sent a letter that says proof of application an electronic print out. Nothing with my hand written signature or a billing statement with proof that I owe this alleged debt. I also advised them that the proof that they provided does not state anything about the alleged debt reporting on my credit. And to please cease all reporting and collection efforts. An credit application is insufficient and does not validate the debt in question.
Consumer complaint received 2023-01-08
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: Westcreek Financial (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-04-27
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 instructions.
Consumer complaint received 2019-08-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (TX)

Calls began today XX/XX/2019 they've called my work place three times this morning, and XXXX of my daughters. I asked to stop calling but they continue. One of the agents called me an XXXX and threatened to come to my work place in person
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Pinnacle Credit Services, LLC (GA)

Despite two written requests, ( XXXX XXXX XXXX 2017 and XXXX XXXX 2017 ) the unverified item still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the ORIGINAL creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY ORIGINAL documentation ( a consumer contract with MY SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


As far as the amount of the debt, it is reporting two different amounts on the same account. {$520.00} and {$520.00}. Explain and DELETE!!
Consumer complaint received 2017-12-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have disputed the account several times with Equifax. The account was deleted but some how placed back and I was not notified that it would be placed back onto my credit file. I understand by law that I should have had a five day notice that this would be placed back but it was deleted for fraud so it needs to be removed
Consumer complaint received 2023-01-08
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: Resurgent Capital Services L.P. (DE)

In accordance credit reporting act. The accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account Name, LVNV FUNDING LLC has violated my rights. 

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

1. An acknowledgment of the dispute within thirty ( 30 ) days. 15 USC Sec. 1666 ( a ) ( 3 ) ( A ) ; 2. If the error is not corrected, a written explanation report following a reasonable investigation, including the production of documentation evidence, within ninety ( 90 ) days. 15 USC Sec.

1666 ( a ) ( 3 ) ( B ) ( ii ) ; and 3. No restrictions or adverse actions on the account, pending resolution. 15 USC Sec. 1666 ( d ).

FAIR CREDIT BILLING ACT VIOLATIONS. Failure to follow the rules pending resolution : 1. Relinquishment of the right to collect any alleged debt on the account. 12 CFR 226.13 ( d ) ( 1 ) ; 2. Exposure to liability for actual damages plus twice the amount of the finance charges. 15 USC Sec. 1640 ( a ) ( 1 ) & ( 2 ) ; and 3. Potential criminal liability for willful and knowing violation of the FCBA and other Truth in Lending provisions. 15 USC Sec. 1611 ( 1 ) & ( 3 ).
Consumer complaint received 2022-04-27
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: NAVY FEDERAL CREDIT UNION (SC)

I woke up with a email saying I had a hard inquiry from my bank a navy federal credit union. I have no problem with it just that I would like that removed because I didn't request any product from my bank. Contacted bank to let them know I didn't sign up for the loan I just opened the account. Will call again this morning. XX/XX/2022.
Consumer complaint received 2021-02-09
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. (LA)

US BKPT CT XXXX XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains US BKPT CT XXXX XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$30000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$3500.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains US BKPT CT XXXX  XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains US BKPT CT XXXX  XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remove this address : see evidence attachments
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-02
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)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2021-07-12
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. (VA)

My home was broken into and my ID, credit cards, and other personal items were stolen. I recently got a copy of my credit report and realized that there are things on here that I have not applied for. I did not request any of the inquires listed on this report.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My identity has been compromised and the more that I research the accounts reporting fraudulently the more I believe a past business associate who stole thousands of dollars from me is the culprit of the crime. I am doing everything to protect my credit so I have requested extended fraud alerts, my personal information to be corrected, and unauthorized inquiries removed as suggested by the FTC. I sent each of the bureau 's a letter on XX/XX/2021 a letter requesting that my personal information be corrected there is currently inaccurate names and addresses and yet this inaccurate information continues to report on my credit report. Attached to this complaint is a copy of my identity theft affidavit and the letters that were sent to the bureau 's in which the failed to modify.