davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

my credit report shows a debt in collections from a XXXX. A payday loan that i never applied for, nor recieved any money from. This is a known payday loan scam ( tribal ). The amount is for {$800.00} and shows as a negative collection on all of my credit reports. I have contacted the original debtor, whom offered no assistance, unless i gave them my privite social security number to look up the original loan details, which i refused to provide. XXXX telephone agent could not look up any details of loan and instructed me to reply with inquiry to the following email. 

XXXX upon investigating, i have. discovered that this is a known company & scam. Please accept my report/claim, and assist me in getting this fruadulent loan removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (AZ)

we have AUTO PAY to pay our mortgage payment each and every month..our mortgage company FREEDOM MORTGAGE has taken their payment every month without a hitch. however recently they reported to the credit bureaus that my XXXX and XXXX payments were both 30 days past due! how can i be late when freedom TAKES their payment directly from my bank..fyi..my bank and my on line freedom account both clearly show these ( and all ) payments paid on time ( XXXX on month ) ... my fico was XXXX before this..it has taken a big hit ... we did not get to a XXXX fico score by making late payments ... freedom insists their info is correct ... ..this is XXXX
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (LA)

This happened 2 years ago. My spouse and I were threatened multiple time over the phone. It got so bad to were one worker threatened to physically harm us. The repeatedly called my phone they even called my job.Even a woman called threatening that we wouldnt get a house, the we would be homeless if we didnt pay. Im praying that all these calls were recorded .This was originally a {$300.00} from town XXXX XXXX XXXX late XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
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: PNC Bank N.A. (IL)

My car loan was with PNC Bank. The car was purchased before I was married and therefore both the title and loan were in my maiden name. I called them on XX/XX/2020 to express my intention to pay off the loan and to see if I could have the title mailed to my married name or otherwise arrange to pick it up, as I knew the mail addressed to my maiden name would not make it to me. I explained I understand that I need to correct the name on the actual title, but that I needed the mail envelope itself to have my married name. The representative I spoke with said that they could not mail it to my married name but that 1 ) they would mail me the form I need to fill out to legally change my name with them in the event that 2 ) the title bounced back to them. In other words - worst case scenario is the title is returned to sender and they would be able to mail it back addressed to my correct name. I paid the loan in full on XX/XX/XXXX. As expected, neither the title or change of name form made it to me. 

After several calls to PNC in an attempt to address the issue, I was escalated to someone in PNC escalations ( name and phone number available upon request ). I was told that my only option is to pay the 3rd party company XXXX a {$23.00} lost title fee to get a letter of debt satisfaction in the mail. Then I would have to go down to my state office and pay {$50.00} for a duplicate title as mine is " lost. '' They are attempting to pass these costs onto the consumer, including the {$23.00} fee to their third party vendor, due to something I called in advance to try to stop from happening. It seems negligent at best and like a complete scam at worst. Its an absolute joke - especially considering that we as consumers are unable to control which creditor our loan is sold to. I spent over a month dealing with this issue and did not receive a satisfactory resolution. Thank you.
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (MS)

This company calls my phone numerous times a day. They have reported to XXXX that I owe an amount of {$430.00}. This amount was reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and is showing on my privacy guard account in my alerts. I have never done business with these people and do not have a contract or not bill/balance with this company.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IN)

I was a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, from XX/XX/XXXX to XX/XX/XXXX. I properly notified the XXXX property manager, XXXX XXXX, using the XXXX lease termination form, that I was vacating the apartment on XX/XX/XXXX. I left the keys and security dongle with the XXXX front office on XX/XX/XXXX. I paid all my rent through XX/XX/XXXX. 

However, weeks after leaving XXXX, XXXX XXXX sent me a letter claiming I had " skipped without notice '' and therefore I had forfeited my security deposit and owed an additional {$1000.00} in rent. This is a lie. I have the email I sent XXXX XXXX properly notifying her, on XXXX 's form, of my move out date. 

XXXX has filed a false claim with I.Q. Data International , Inc., a collection agency. I.Q. Data sent a letter to my parent 's house dated XX/XX/XXXX, which I first learned of earlier today, XX/XX/XXXX, when I came to visit them. I.Q. says I owe {$1100.00} to XXXX under transaction number XXXX. 

This is a false claim. I paid all of my rent payments to XXXX until XX/XX/XXXX. I properly notified XXXX of my lease termination. I can prove it with copies of the emails and attachments. I do not owe XXXX any money for rent after XX/XX/XXXX. I.Q. International has no right to attempt to collect this money from me. 

The contact information for the companies involved is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX Doing Business in Nevada As : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX And, I.Q. Data International, Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I tried to use PayPal 's friend money-transfer service several times to send {$200.00} to a family member. I sent one payment on XX/XX/XXXX that I immediately cancelled bc I input the wrong email address. Even though I tried to cancel the payment and my PayPal account shows the payment was refunded. I was not actually refunded the money to my bank account. PayPal never sent the money back. 

The same day, I resent {$200.00} to the correct email address. However, when this family member tried to access the payment on their account, it shows an error message on their end. This means that the person has not received the payment, and I am not able to cancel it on my end ( it does not give me a cancel option ). 

This means that PayPal has taken 2 x {$200.00} transactions out of my bank account but has not refunded or actually transferred the money to my family member. 

I've tried calling them ( their customer service line is closed, per their automated message ), I've tried messaging them online through their help center ( not working ), I've tried contacting them on social media ( no response ). I don't know what else to do. At this point I just need to be refunded for both {$200.00} charges since this money was not actually sent to my family member.
Consumer complaint received 2020-05-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2020 I noticed several entries placed BACK on my XXXX   credit report after being removed ( some years earlier ). The items were basically sold to another company and re-reported. XXXX  has since removed these entries, but XXXX  and XXXX  have refused to comply. Additionally, I've provided all 3 credit reporting agencies with my State Issued REAL ID and Social Security Card which provides my full name : XXXX XXXX ... not XXXX XXXX or XXXX XXXX, as we all know that state issued REAL IDs are the equivalent of a United States Passport ; therefore there should be no confusion as to which accounts are mines and which are not. I've asked them to remove anything that doesn't provide my name as XXXX XXXX. Lastly, XXXX  has placed a message on my credit report as of XX/XX/2020 that asks any creditor to call me and have provided no phone number to do so, all while still allowing creditors to access my report -- resulting in a lowered credit score!!!!! This " trick '' resulted in a creditor auto-denying my credit application, although they allowed a hard pull to be completed against me resulting in my score being lowered ( DAMAGINF ME AND MY ABILITY TO OBTAIN CREDIT ). The company advised me to have it corrected with them and then I can give them another approval to have them pull my credit for a second time ( RESULTING IN AN EVEN LOWER SCORE AND LIKELY A DENIAL FROM THE PREVIOUS HARD PULL ). This " message '' on my credit does not qualify as a fraud alert, as the credit report is not frozen -- yet this message was not requested to be added to my report by me and is causing me damages. I have expressed to all of the credit bureaus not to lock or add fraud freezes to my account without my knowledge and a personal request to do so. Is that so hard to comply with?? 

I was applying for an auto loan refinance, with a XXXX credit score on XX/XX/2020 ( along with 100 % exceptional payment history with USAA ( I have car loans, auto insurance, renters insurance and credit card with USAA ). It makes absolutely no logical sense to me how my own creditor can act as though they do not know who I am or as though they are unable to verify who I am while I'm on the phone with them and as soon as my credit report was pulled I'm being notified by XXXX  of the hard pull from USAA and change to my account. This is a horrible way of sneaking high interest rates and ensuring they are being passed over to consumers in an already horrible climate for credit decisions, while many people are out of work and their credit is suffering. 

I REFUSE TO SUFFER DAMAGES BECAUSE OF UNLAWFUL, UNETHICAL, AND UNFAIR BUSINESS PRACTICES!
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (TX)

I have a total of 4 charges dated XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 from XXXX that were processed on my paypal account. I disputed them and paypal just closed my claim without investigating them. XXXX has confirmed they're fraud transactions but paypal refuses to provide any way for an appeal to be submitted. They need to do a better job at actually investigating charges before immediately denying claims. I will sue them if I dont get my money back.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer. CFPB Complaint ExampleTOP
Consumer complaint received 2021-03-01
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. (OH)

I have been disputing this account for about 6 months. They dont care that they are reporting incorrectly. Im educated on the laws and its the law that each credit bureaus has to report 100 % accurate information on the consumer accounts. They are really not cooperating with me at all. They are ignoring what Im saying to them. They keep on saying that the account is verified or accurate but I never stated that the account wasnt mines I just pointed out the errors and I just want the account delete because they are reporting the account incorrectly. I have the original statement from the creditor and they still reporting the account incorrectly. I want the account deleted immediately, I will take legal action next because they really acting as they dont care.
Consumer complaint received 2024-01-31
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-16
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2021-03-01
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 have been fraudulent activities that I did not authorized. The bureau has the responsibility to report accurate information and they have not done so. I have reached out to them on multiple occasions. 

XXXX XXXX XXXX {$15000.00} Account number XXXX the full account is not listed XXXX XXXX Account number XXXX they don't have the full account number listed CXXXX XXXX XXXX XXXXXXXX Inquiry i have contacted the company for a year now, and the credit bureaus about this matter nothing has been done
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (MO)

This company has contacted me with fraudulent information serval times. I have documentation showing that i have payed all my medical expenses dealing wit XXXX XXXXXXXX XXXX, which has transferred my cases illegally without my consent to americollect. In documentation It shows XXXX dollars was paid to cover all of my medical expenses considering that XXXX. XX/XX/18 All debts where paid My Laywers have been contacted apon this request if not handled in timely manner
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I had a bank account with Wells Fargo for several years. Last year they upgraded the account WITHOUT MY CONSENT and I was not aware and didn't pay attention at that time. The upgraded account had a higher account balance limit. Sometime later, when my account balance was no longer as high as the required limit, they started charging me a monthly fee. I was really surprised and angry about this thus I called to find out the fee situation, then I was informed that my account was upgraded. How could a bank change my account status without even contacting me so that they will have excuses to charge me more money that I was not prepared for? I asked to get the fee to be waived and was told they would only refund me less than half of the fee.
Consumer complaint received 2020-04-30
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. (MD)

I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and address!
Consumer complaint received 2024-02-16
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. (AL)

The following inquiries were added to my TransUnion account without my authorization. 

XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX. XXXX,
Consumer complaint received 2021-03-01
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. (NV)

The consumer reporting agency has violated 15 usc 1681 ( a ) by reporting inquiries on my consumer report. The law clearly states, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from the consumer report. The action of the consumer reporting agency reporting inquiries, on my consumer report, is an additional violation of 15 usc 1681 as the action violates my right to privacy. Through the action of reporting inquiries on my consumer report, the consumer reporting agency has violated 15 usc 1681 ( b ) being that I have never submitted written instruction to the consumer reporting agency granting my consent to report inquiries on my consumer report. 
The consumer reporting agency was notified of its violations in writing. Confirmation of delivery and receipt of written notification on XX/XX/2021. A report was also filed with the Federal Trade Commission. To date, the consumer reporting agency has not made any attempt to correct its violations of the aforementioned consumer protection laws.
Consumer complaint received 2020-04-30
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.