davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (GA)

A Certified/Return Mail was sent to this creditor, Discover Financial Services, XXXX requesting that the account # XXXX since XX/XX/2013 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Discover Financial Services, XXXX must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
Consumer complaint received 2021-01-30
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: CITIBANK, N.A. (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-06-09
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. (CT)

On XX/XX/XXXX and XX/XX/XXXX I provided Equifax, XXXX and XXXX  Credit Bureaus with proper documentation that I was a victim of ID Theft. I also filed am official report with the FTC as we. To date Equifax is the only bureau that has not removed these fraudulent accounts from my credit report. This is hurting my credit and potential new hire at firm I have submitted my resume to. The accounts that are due to ID Theft were with XXXX XXXX   account number XXXX opened on XX/XX/XXXX in the amount of {$430.00} and also XXXX  account number XXXX opened XX/XX/XXXX in the amount of {$200.00}. My attorney is taking legal steps to hold Equifax accountable for not following the Fair Credit Act Laws accordingly.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

This collection account for {$400.00} was erroneously placed on my credit report inXX/XX/XXXX and I was unaware of it until I checked my credit recently. I was never sent any official notice or claim of this debt being attributed to me and I did NOT incur this debt. It should not be in my credit file because it does not belong to me.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Today, XX/XX/2023, received a letter from Selene Finance. Letter explained we have not received your Forbearance payment this month.

Immediately I called Selene Finance spoke to a representative, please see documents attached with my letter dated today to Selene.

Thank you
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without instruction.

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: GOLDMAN SACHS BANK USA (NY)

I am the XXXX of other country and non-resident XXXX  of U.S. 
I opened saving account for XXXX, but they refused to recieve Form W-8 BEN, which is required for avoiding us from being imposed double taxation and should be repoted to IRS. 
For this reason, they don't give us motivation keep the account after making initial set up of the new account. 
Moreover, my wife has a deplomatic visa and it should not be required to have SSN for her credit certificate. But XXXX refused to create the joint account with her for her not having SSN.
Consumer complaint received 2019-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/2019 I Paypaled a lady {$97.00} for XXXX XXXX Concert Tickets. I have yet to receive the 2 tickets I purchased. I have tried contacting her multiple times. She was transfering me the ticktes through XXXX. I have also contacted them about not receiving what I purchased. I have done a request of {$90.00} dollars to the lady on Paypal. I need to know the next step to take. I either want my money back or I want the tickets. The tickets are dated for XXXX XXXX at XXXX XXXX XXXX, XXXX GA at XXXX. 
Please contact me here or via email to further more discuss this problem. XXXX XXXX
Consumer complaint received 2022-04-01
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2021-11-10
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. (NJ)

I sent certified letters in XXXX, XXXX and XXXX with NO response from Equifax ofXX/XX/XXXX. These letters were informing Equifax the inquiries being reported on my credit report are not mine and I did not initiate. I also called Equifax and spoke with their special unit team who then acknowledged they had received my letters but told me they could not remove those inaccurate disputes. They referred me to write a complaint with the FCC as proof of not initiating said inquiries, and also told me they could not remove any without a letter from the FCC.
Consumer complaint received 2021-05-03
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. (NC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-06-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CHECK INTO CASH INC. (TX)

XXXXXXXX XXXX XXXX name is XXXX check into cash. Company trying to collect debt that I did over 8 years ago because recently I tried for a loan at company and they denied me cuz of past loan I had with them that I didnt realize I did. Account was already closed until recently reopened from company
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I receive a notice that there was going to be a shortage in my escrow account I called the lender and spoke with a representative that gave me the breakdown of the shortage, insurance went from XXXX - XXXX and my taxes went up XXXX. I was then told to keep my payments the same I would need to send XXXX which I did on XX/XX/2021 and called them and advise them that this was a escrow payment. Now I see that they didn't apply that payment and now said I was short XXXX cents which was never mention in the conversation I had with the representative. I just sent them XXXX to cover this.
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (NY)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (AL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TN)

Venmo I received an email from Venmo indicating I could review my quarterly account. I tried to login the site wouldnt accept my password. I change my password the site would still not let me login. This happened twice. I called and spoke with support. They kept asking for more and more personal information from me. They asked me to send them a valid ID. I refused and asked them to close my account. They refused. I asked them for a complete list of verifying information they would need and they wouldnt give it to me. I was afraid this was an information/data collection scheme.
Consumer complaint received 2019-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

I received a letter from XXXX XXXX  and XXXX  in XX/XX/2019 that they had sold a debt to Crown Asset Management. On XX/XX/2019, I sent a certified letter to Crown Asset Management informing them that this was not my debt and to validate the debt. Crown Asset Management signed for the certified letter and the return receipt card was mailed back to me verifying that they had received the letter. The letter included my current address so that Crown Asset Management could send me debt validation through the mail. Although they have my correct address, I have not received debt validation from them yet. I am writing for your assistance because I have read that this debt collection company tries to sue individuals for debt that does not belong to them and they also sue individuals without ever sending them any correspondence about the debt, no assignment of the debt, and no debt validation after it has been requested.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

Experian is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX account number XXXX was received from IRS. Experian is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. 
XXXX XXXX XXXX SSN # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX
Consumer complaint received 2019-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (VA)

I got the loan in XX/XX/XXXX from Consumer Portfolio Services for {$13000.00} on a XXXX XXXX XXXX from XXXX XXXX in XXXX, Va. My payments were XXXX with an added fee of {$12.00} to pay online. The only other payment option was to mail in payment which in turn would either have to be paid early or a late fee would be added. It is now XX/XX/XXXX and somehow, in the passing of almost two years of making payments on this car, I still owe {$12000.00}. How is this humanely legal and acceptable? No human being should be treated in this manner. Not only that, they report false reports to credit bureaus. Many of my payments that were made on time were placed as late and the balance that I owed has been {$12000.00} since XX/XX/XXXX. Not the balance of the late payment.
Consumer complaint received 2024-01-13
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. (CA)

Per the FCRA as a federally protected consumer I am now OPTING OUT of Any and all AUTHORIZATION, I the consumer may have given you written, unwritten, verbal and non verbal Per usc 6802 and the privacy act of 1974. 5usc 522a. 
Given notice to these companies XXXX XXXX, XXXX, Credit karma and all other XXXX party reporting agencies. Legal litigation will take place if no action is taken. 
Thank you XXXX XXXX ( consumer )
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: CL Holdings LLC (FL)

I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2019-06-09
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. (GA)

I submitted a dispute about 30 days ago to TransUnion. I advised them that 2 loans from XXXX XXXX XXXX XXXX was paid in full and had been closed out but they still had it on my credit report. I was informed by TransUnion that the information was not updated because it was correct. I advised them that it was not correct and the other reporting agencies had already updated the correct information.
Consumer complaint received 2017-12-17
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. (IL)

This has been an ongoing battle with XXXX and Experian I have disputed information, submitted ID Theft Affvaidts and police reports ; they fail to delete items however the remarks say : '' re-investigation in process '' The accounts that are not mine in it related to Identity Theft are : XXXX XXXX, XXXX XXXX ( two accounts ), XXXX XXXX XXXX ( I do not have any children ), XXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I disputed a rental car charge for {$160.00} as the email confirmation from the rental car agency was drastically lower, and the rental car 's customer service was unable to help or didnt have the permissions to issue a refund. 

I disputed the charge through my credit card and received a notification that a temporary credit was applied to my card while a dispute was opened. I received no other communication or request for information. 

A month later, I received a letter from credit card company stating the dispute had been resolved in the merchants favor. No details were provided. The only explanation was that there was insufficient information to support my claim. However, no information or documentation was ever requested. 

I tried to contact customer service via chat but was repeatedly rerouted and disconnected.
Consumer complaint received 2019-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I HAVE BEEN USING PAYPAL TO CHARGE TO MY CLIENTS BY A SMART XXXX DEVICE. I DO WORK IN A XXXX XXXX AND SINCE XX/XX/2019THEY REFUSE TO GIVE MY MONEY $ XXXX AND THEY HAVE BEEN CUSTOMERS ASKING FOR REFUND TO TAKE MY MONEY SLOWLY THEY TOOK $XXXX
PLUS $XXXX  PLUS XXXX 

THEY REQUEST FOR MY ID OR LICENSE DRIVER, I SENT TO THEM AND THEY SAY IS STILL IN REVIEW. 
I HAVE BEEN CALLING SEVERAL TIMES AND WHEN I GIVE MY PERSONAL INFO 
THEY HANG UP ON ME. 
I HAVE BEEN TRYING TO GET MY MONEY EVERY SINGLE DAY CALLING, LEAVING MESSAGES AND THEY REFUSE TO GIVE ME MY MONEY 

MY INFO 
XXXX
XXXX XXXX XXXX XXXX XXXX  NC XXXX
XXXX.XXXX.XXXX
XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (NV)

I have filed several incorrect issues on my credit reportwrong social security number and spelling of my name even after I submitted documents. I have filed a complaint with my states Attorney General and XXXX the Fair Trade Commission.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

In accordance with the fair credit reporting act Experian, XXXX, XXXX has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

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

These addresses do not belong on my credit report : XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-09-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (TX)

American Financial Network continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive unsolicited mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.