davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (AZ)

Company continues to threaten me and this account has been reported inaccurately. This account has never been on credit report and my information was passed by company to company multiple times without my consent. I want this removed from all three credit bureaus immediately and for them to stop harassing me. I lost my job due to covid layoffs and have lost family members and this continues to add stress.
Consumer complaint received 2020-12-02
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CT)

I am a victim of identity theft. my information has been used to open fraudulent accounts under my name. Discover financial being one of those accounts. I contacted both the company and the credit bureaus about this issue and they refused to close and remove the account from my credit report. They also continue to try and collect the debt accumulated from this account which i do not owe.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (PA)

I received a letter in the mail from Discover Bank ( via XXXX XXXX XXXX XXXX XXXX, XXXX ) threatening and demonstrating pursuit of a Wage Garnishment order against me. Discover Bank holds a judgment on me in New Jersey, and theyre claiming to be filing for a Wage Garnishment order in New Jersey XXXX as well. I have lived and worked in PA for years, and am currently employed in PA. In their letter, it appears that Discover Bank has decided to serve their garnishment order on a corporate office branch of my employer that is located in NJ, but that I have never been to, much less worked at. I believe they did this in an intentional attempt to skirt PA Wage Garnishment exemption laws. 

Ironically, their letter contains, and was sent to, my home address in PA. They know I live in PA, but still chose to pursue a garnishment action in NJ. Ironically, the very letter they sent illustrates their intent to avoid PA law. 

I received this letter via standard mail about 2 weeks after it was most likely delivered, as I rarely check my mailbox. In the the letter, it is claimed that the same letter was also sent via certified mail, which it was most certainly not. Going back even further, I dont recall ever being served for an initial lawsuit of which the judgment is based. 

Discover Banks attempt to avoid PA law is a clear violation of 42 Pa. C.S . 8128. Additionally, within their threat of illegal garnishment includes the threat of disclosing confidential information to my employer both of which are clear FDCPA violations.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/XXXX I received an email from PayPal stating that I " can no longer do business with PayPal '' because I violated the acceptable use policy and my account ( XXXX ) was locked. Furthermore, they stated that they are holding my balance for 180 days. I currently have {$55000.00} in my account at this time and can not transfer to my bank or access my funds at all. I attempted to contact them through several channels including calling them, emailing, and writing a letter. 7 representative refused to tell what I did to violate their acceptable use policy. In response to the letter that requested they state the specific reason for the ban, they again refused to provide and explanation. I have yet to receive any indication as to what exactly I did to result in this ban and the only information I received was that it was a " backroom decision. ''
Consumer complaint received 2020-11-17
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

Pennymac is currently reporting my mortgage account as past due over 120 days. 
Prior, I was in their forbearance program until XX/XX/2020 when I went into their modification program. I have been making payments outlined in Pennymac 's agreement and have not been late to date. 
Under the CARES ACT and CFPB instruction/interpretation of the CARES ACT, Pennymac is in direct violation of the credit reporting guidelines by reporting my current status as delinquent and late. 
I have addressed this issue with the company. Past reporting was fixed to reflect Covid relief, but current status is not accurate under the law.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (FL)

This account illegally reported malicious late fees on my credit report when I was XXXX XXXX XXXX XXXX XXXX I was in the XXXX from XXXX XXXX to XXXX and I let them know that they have no sympathy. They had no sympathy and they dont care they keep arguing with me over the phone. This should not be on my credit report at all, please delete this information
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Radius global solutions LLC located at XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. This company you stating that I have a balance of {$1300.00} with creditor XXXX XXXX XXXX.. I do not owe this debt. I requested validation of debt and all this company has sent us a verification with an invoice. Nowhere is there a copy of my signature anywhere. I want to report this company is violating my rights under the FCRA as a consumer. I want them to update all three credit bureaus if they have a negatively impacted my character, which could be considered defamation of character,
Consumer complaint received 2021-04-12
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. (TN)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-02-21
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

A card was applied for on XX/XX/XXXX of XXXX, using a mix of my stolen information by an unauthorized individual. I have been trying to dispute this since it was brought to my knowledge in XXXX when I was trying to get pre approval for a mortgage loan. I was surprised when my lender asked me about delinquent account. I have been trying to dispute this account from capital one ending in XXXX attached to an address that I have never lived at nor received mail at. It has only been reporting to XXXX
Consumer complaint received 2022-04-26
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. (TX)

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 XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX, 15 U.S.SC 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 2022-04-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (MD)

This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were DPEDXXXX - XXXX, DPEDXXXX - XXXX, DPEDXXXX - XXXX, DPEDXXXX - XXXXXXXX XXXX  - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unknown - XXXX, and XXXX XXXX XXXX - XXXX.
Consumer complaint received 2021-10-12
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. (NY)

Pursuant 15 U.S.C Sec 1681a ( 3 ) Identity Theft and ( 4 ) Identity Theft Report. 
Having inaccurate addresses and with the amount of identity theft going on, I'm very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate. 
Pursuant 15 U.S. Code 1681b - Permissible purpose 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. 

I XXXX XXXX XXXX never gave XXXX, or Transunion any written consent to report these inaccurate old addresses on my consumer report, No consent is Identity Theft.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received an email on XX/XX/year> at XXXX EST from Capital One that I had updated my phone number. I then received another email immediately after that I had been approved for a Capital One Business credit card. I have no relationship with Capital One and did not request this card.

Approximately one hour later, I contacted Capital One via telephone to try and understand why I had received the email. They were able to find the account from the information I provided. They froze the account and told me they would open an investigation into how the account was opened.
Consumer complaint received 2021-10-12
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)

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent American Financial Solution {$100.00} Account number XXXX Hard Inquires : Experian Business Credit XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Experian Business Credit XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX . XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a law suit against all parties involved, including any agency reporting fraudulent information to my credit report
Consumer complaint received 2022-01-08
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)

As of XX/XX/2021 to present an Ive attempted to have A Closed Account displaying damaging, derogatory, and negative information removed from Equifax and XXXX. This same closed account has been removed from XXXX. Under the law A Closed Account can not contain negative or damaging information, The Account is closed.
Consumer complaint received 2020-06-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DFC Global Corp. (CA)

Company called repeatedly and then started contacting my family members saying I had a serious case about to be filed in court. I eventually spoke to them and agreed to give them payments using my debit card which was my silly mistake. I changed my banking information so they could not receive any more payments so they have started the harassing phone calls again.
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion Credit Reporting Bureau received my request for re-investigation of disputed information on XX/XX/2020 as provide by certified receipt. TransUnion failed to conduct a re investigation of my dispute and they failed to notify me of their decision to terminate a re-investigation ( if such a decision was made ) pursuant to Civil Code 1785.16. 

Upon my request for re-investigation of the disputed information pursuant to my letter to TransUnion dated XX/XX/2020, consumer law requires that they re-investigate and record the current status of the disputed information before the end of the 30th business day period beginning on the date they received such notice of the disputed item from me.

Since the end of the 30-business-day period has elapsed on XX/XX/2020, TransUnion must delete the inaccurate information immediately pursuant to Civil Code 1785.16 ( b ). Despite that I again notified TransUnion of the problem on XX/XX/2020, TransUnion continues to ignore my requests as if their modus operandi is to make it as difficult as possible to the consumer to remove inaccurate information. To date, TransUnion continues to report the inaccurate information on my consumer credit report from them.
Consumer complaint received 2020-12-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I've recently reached out to Portfolio Recovery regarding two accounts that appear on my report for the amounts of XXXX and XXXX. They were placed on my report XX/XX/XXXX and XX/XX/XXXX, respectfully. I've made contact via certified mail on numerous occasions, requesting hard proof that these accounts belong to me and their only response each time has been sending me copies of billing statements. They've sent nothing that has my signature or tying me to the accounts I am questioning. I've stated I have no knowledge of these accounts, but their reply has been the same on at least four occasions. My most recent letter stated to them that I would file a complaint for not sending me the proper information. They have yet to comply and it's drastically impacting my life.
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There was an error on my credit file with XXXX XXXX XXXX. I disputed it with Trans Union. They deleted it from my credit. Now Trans Union just put it back on my credit
Consumer complaint received 2020-12-02
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. (TX)

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies which the accounts was opened. I am seeking your assistance to please remove the account which was opened by fraud as per FCRA Section 605B ( a ). I've tried sending my information to the credit bureaus but i am having a hard time getting any help dealing directly with them.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLOBAL SOLUTION BIZ LLC. (SC)

This company Global Solution Biz has been make multiple calls to my telephone and text ( XXXX ) making false claims that I owe a debt that I have no knowledge of or received any alleged proof of original contract or authentic signatures or legal paperwork. All the contact has been over the telephone by text and messaging. 

They have threatened to bring legal action against me and claimed to have filed a UCC XXXX without any evidence or substantial proof. I have been dealing with identity theft since the tax return breach and there has been a fraud alert on my credit because of these such problems. 

I have responded to their text message and told them they were making false claims and they have the wrong number and information, since I have no knowledge of obtaining this debt! I have told them to cease all contact from my phone number. 

Furthermore, Global Solution has ILLEGALY disclosed/ published false information of the accused debt to other third parties creating public shame on two occasion that I have been made aware of the fact. I have submitted the evidence.. These two incidents occurred on XX/XX/2021 and XX/XX/2021 from telephone text of phone number XXXX. 
The practices of Global Solution Biz are illegal, fraudulent and degrading and this is why I am reaching out to your agency and making this public report.
Consumer complaint received 2021-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2021, I sent all three credit reporting agencies a letter about the inaccuracies on my credit profile. It is now XX/XX/2021, and I have not received any results. It has been a total of 4 months with no results. I believe there was a misuse of my credit profile. I sent them all the information they needed, ID, Social Security card, and proof of address. The incorrect information on my credit profile is holding me back from moving forward in life. I can't get a house or credit card due to this. I have done all I can do. please help me
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (MO)

Borrower is comparing lenders and mortgage brokers. XXXX XXXX  in XXXX XXXX ( now named Guild Mortgage ) is incentivizing first time homebuyers with a {$2000.00} XXXX  XXXX gift card in order to attain new clients. Clear violation of exceeding allowable gifts to garner business.