davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Over the course of the past decade, I have sent Portfolio Recovery Associates multiple certified letters regarding harassment for non-existent accounts. I continue to be harassed at my home from the following debt collectors : 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, and XXXX XXXX XXXX XXXX. I currently do not have any accounts in default status.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The XXXX account is a business account that should not be reporting on my personal report and furthur more the debt was written off and should be removed by the credit bureaus from my personal credit report immediately. Account opened : XX/XX/year> Balance : {$28000.00} .... 
Account number :
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (MI)

I opened a credit karma spend account to do my taxes and get the refund advance. Which never came, then I lost my wallet and phone. My wallet is also my cell phone case someone sent themselves my entire refund {$2200.00}. And when I informed credit karma of everything they instantly denied the dispute. Without any information given to them or anything.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Illegal eviction was filed and a consent judgement was rendered with no charges as of XX/XX/2016. The collector is trying to collect a debt that is not owed. In addition to the attempt to collect a debt that is not owed I am also currently trying to delete the filing of the eviction off my credit report considering it was illegal and the creditor initiated the dismissal.
Consumer complaint received 2017-10-16
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: Resurgent Capital Services L.P. (WA)

I have been trying for quite a long time to get a XXXX XXXX collection item removed from my credit report. I have NEVER had any consumer relationship with XXXX. I have been with my mobile provider ( XXXX ) since XX/XX/XXXX and I 've had the same phone since that service began. 

I have written Pinnacle ( Resurgent Capital Services ) before, most recently was XX/XX/XXXX and I demanded validation of debt. All they sent me was a XXXX billing statement with some small printed terms and conditions. Nothing signed, nothing proving it was me. The reason being is because they ca n't. Such documentation does not exist because I have never done business with XXXX. 

I am sending them yet one more letter today as my last written attempt to get them to delete this item once and for all. There is no point in me asking for better documentation because again, it does not exist. 

I am turning to you, the CFPB, to come in and save the day here for me and my family. I am a very credit conscience person and this derogatory trade line is impacting my ability to create new relationships with prospective lenders and I 've taken all the necessary steps to rectify the matter, but to no avail. Please act swiftly enforce some action here, I 'd be greatly appreciative of your efforts. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-03
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. (WI)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (IL)

I was provided a lease from XXXX XXXX for my XXXX XXXX. My car lease was paid-off early, over 2- years ago. I used typical auto financing to pay-off XXXX XXXX I now know that there were three companies involved with my lease transaction : : XXXX XXXX, XXXX XXXX XXXX Wells Fargo. Letters are attached from XXXX XXXX to verify lease the pay-off. Unfortunately, Wells Fargo was involved with the lease transaction and remains on title. now the lease was paid-off close to three years ago. being paid-off. I never had any direct contact with Wells Fargo. XXXX XXXX accepted all my lease payments and XXXX XXXX provided me with the pay-off .The state of Illinois informed me that Wells Fargo was associated with the lease and is still listed as a lien holder on title. The lease was paid-off with funds obtained from XXXX XXXX XXXX and I refinanced my car loan with XXXX XXXX who now has my loan. Communication with XXXX, XXXX XXXX XXXX XXXX XXXX of Illinois has confirmed that my release was never properly processed by the three related companies XXXX XXXX, XXXX XXXX XXXX Wells Fargo. A letter provided from XXXX XXXX does not appear to be correct.
Consumer complaint received 2017-06-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I tried to cash several checks over several months in several locations and they were denied. The decision to cash or not cash the checks was based on a company called Certegy Check Services , Inc. XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. When I called the number ( s ) for  customer service, the response was that they could not tell me the reason for the denial other then that there is a program that determines the whether to deny or accept the cashing of the check and that they, the customer service rep., did n't have the information to share and if they did have the information to share, they would n't because someone might manipulate the system. If they can not, or will not, tell me why I 'm being denied, then they should at least tell me what I need to do to be allow to cash checks again. As it is, I wonder if I am being denied services for illegal reasons. They will not even cash my Federal tax return check. Is there a problem with the US government bouncing checks now?
Consumer complaint received 2022-03-03
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-01
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. (TX)

EXPERIAN, XXXX AND XXXX ARE IN VIOLATION WITH 15 U.S.CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZTION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THERE IN 18 U.S. CODE 245 INVALID ACCOUNTS AND DAMAGING INQUIRIES THAT SERVE NO PURPOSE OTHER THAN DAMAGE CREDIBILTY. SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,. XXXX AND XXXX XXXX ARE REPORTING LATE. I DECLARE ALL INACCURATE ACCOUNTS ON THE CONSUMER REPORT ARE TO BE CORRECTED PRESENTING NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AS PER 15 U.S.CODE 1666b and 15 U.S. CODE and 15 U.S.CODE 1602 INCLUSIVE OF ANY ALL INQUIRIES ON THE CONSUMER REPORT BEING IN DIRECT VIOLATION OF 15 U.S. CODE 1681b FOR NO INQUIRY REMAINING IS BENEFIT OF THE CONSUMER AND REMOVAL OF SUCH IS PRIVATE BENEFICIAL INTEREST OF THE CONSUMER. I DECLARE AND VERIFY UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several inquires that just hit my credit file and I did not apply for any of these XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP
Consumer complaint received 2017-10-16
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. (NY)

There are several inquires that just hit my credit file and I did not apply for any of these XXXX inquiry XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX inquiry XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL INQUIRIES ON MY REPORT AND THEY DO NOT BELONG TO ME. CAN YOU PLEASE REMOVE THEM.
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Due to a XXXX on XXXX/XXXX/XXXX, the judge ruled that we must put our XXXX XXXX condo in Short Sale. I began the process last year in XXXX with XXXX XXXX XXXX XXXX Late XXXX XXXX XXXX XXXX sold the mortgage account to Shellpoint Mortgage Servicing. At that time, I had to begin the Short Sale process all over again under Shellpoint. Since XXXX, I have repeatedly sent the same documents over and over again. They ask for : 1months pay stubs, bank statements, Uniform Borrowers Assistance Form, Dodd-Frank Certificate, Buyer 's Proof of funds, Homeowner Association Statement, 2nd Mortgage payoff letter. Once I ( and my realtor ) send in all of these forms they wait two months and ask for them again. Sometimes they say the forms are not in the file or were lost with the old case manager, and sometimes they say that the forms are outdated and we have to submit them all again. 

Overall, Shellpoint case managers seem to either be very overloaded or incompetent. 
Just one month ago, I was told that all documents look good and are being reviewed by the underwriter. As of today, XXXX/XXXX/XXXX, I am told to refurbish many of these documents all over again. 

It has been a year now since I have started the Short Sale process ( under a judge 's ruling ). I have tried very hard to avoid foreclosure. At this time, I do have a buyer and I 'm scared I may lose them due to the lack of attention to my case.
Consumer complaint received 2017-06-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Works & Lentz of Tulsa, Inc. (OK)

Works & Lentz in Tulsa, OK reported on my credit report without validating any claim owed of {$75.00}. I called Works & Lentz to explain and dispute the claim. I wrote a letter officially disputing the claim and stated the various requirements in the Fair Credit Reporting Act. The letter was sent by email to the contact email address I was given by Works & Lentz over the phone. The {$75.00} was for a doctors appointment that I cancelled ahead of time. Works & Lentz sent me no proof that I owed this money for services rendered as is required by the FCRA and as I requested. The only documentation they sent me was a billing account printout from the doctors office. Works & Lentz then reported the collection account to the credit bureau and it negatively impacted my credit score. Works & Lentz has already been found in violation of fair credit practices by this agency and were cited to pay a civil penalty of over {$78000.00} and refund over {$570000.00} to claimants for these violations.
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I went to purchase an item in the screen shot below, I was asked to sign out of PayPal to make purchase as a guest. paid then was re-routed to a PayPal charity instead of getting a receipt, this name showed up, I saw my bank statement had removed the amount but under a different name altogether. despite still having it listed as a shop transaction it was coming up as a donation to PayPal. they refused to take action, stating that their policy did not cover the item transaction despite it being listed as a transaction having proof, filing a complaint several times and being unable to process a claim with PayPal because it was being listed as a donation. I called my bank and they said that they won't help or can't help and PayPal keeps closing my claims and has no actual resolution available for me. this has been going on since XXXX, I contacted them right away and initially they were going to take action but it had not posted yet, and was still pending. I can't get anyone on the phone together.
Consumer complaint received 2022-03-03
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: WELLS FARGO & COMPANY (NC)

Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
Consumer complaint received 2019-03-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (GA)

In XXXX of 2018 I went to the hospital a free an accident and was seen at the emergency room. They did not file with my medical insurance they use my car insurance to file the claim and now they are saying I owe almost {$700.00} dollars in medical bills. But I have and had insurance the hospital never billed them. Now Im getting a mark on my credit for no reason I have tried to give them my insurance information but they will not take it. This is not my fault it is the fault of the file department at the hospital they had my insurance info on file they failed to use it. Even my insurance timely filing is 15 months it has only been 8 months. This could easily be removed.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX House XXXX is reporting that I did not pay {$100.00} to them on or about XXXX XXXX, XXXX. I did not have any XXXX XXXX XXXX services in my name in XXXX or XXXX, XXXX. I moved at the end of XXXX and ended my services for XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL. All bills had been paid. Services at the XXXX XXXX XXXX XXXX XXXX, XXXX, FL are in my husband 's name, XXXX XXXX. I have copies of all the bills that have been paid to XXXX when services were rendered to my husband. I dispute this bill and ding in my credit report. I have been cleared by XXXX for this charge. The name of the credit agency is Credit Protection, XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX, XXXX, TX XXXX. There telephone number is XXXX. Thank you for any assistance. Best, XXXX XXXX XXXX, XXXXXXXXXXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!
Consumer complaint received 2022-03-03
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. (DE)

Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!
Consumer complaint received 2022-03-02
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: WELLS FARGO & COMPANY (NC)

On XX/XX/2022 I filed a complaint about Wells Fargo violating the Fair Credit Reporting Act. They are reporting a XXXX XXXX XXXX derogatory account under my social security number. I have repeatedly tried to have them correct this error to no avail. They are claiming they can't verify my identity as if my social security number, name, and date of birth isn't enough. 

They are in blatant violation of my consumer rights, and I am demanding they rectify this issue. I'm attaching a copy of my credit report, showing the listing of this account on my credit. As well as my government issued social security card, and my state issued Driver 's license.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (LA)

On XX/XX/2018, my

Amex Bluebird card was stolen, along with a wallet, from my sister 's locked car. This was reported the day it happened, and they said I'd be protected, that i didn't need to worry. I trusted in the American Express name ... big mistake Today, my fraud claim was denied for the second time.

Several online purchases were made after I informed the company. My card was STOLEN. how is that not covered under fraud? I just want my refund. They refuse to do anything whatsoever, if i weren't dirt poor then I guess they might care. They took a month to reissue me a replacement card ; two weeks later i finally got paperwork which i returned on the same day. On the last hour of tje tenth business day they denied my disputes on both occasions Something needs to be done.