davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California (CA)

I HAVE CHECKED MY CREDIT REPORT AND DISCOVERED A FRAUDULENT ACCOUNT THAT WAS OPENED UNDER MY NAME : COLLECTION CONSULTANTS OF CA - ACCOUNT NO : XXXX. I AM A VICTIM OF IDENTITY THEFT. SOMEBODY STOLE MY PERSONAL INFORMATION AND GOT AN MEDICAL HELP WITHOUT MY KNOWLEDGE. I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL IDENTIFICATION INFORMATION FOR ANY REASON. I AM A VICTIM OF FRAUD.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have for months been trying to get my consumer report AND FILE from transunion, I have requested it by mail and not received it, the only time I have received copy is when disputing something, which as of this point theyve made it extremely difficult because I cant access my report online through annual report or on Transunion site, and when Ive called they cant verify my identity based on my answers. 

Please help me with my request, this is frustrating and causing me stress, I have things that need to be addressed on their reporting and its not allowing me to.
Consumer complaint received 2021-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

MORE THAN 45 TO 60 DAYS AGO I REACHED OUT TO THE XXXX CREDIT COMPANYS ABOUT ACCOUNTS LIST ON MY CREDIT REPORT THAT I NEVER SIGN OR USED THEY HAVE YET TO REMOVE THESE ACCOUNTS OR GIVE ME ANY INFORMATION ABOUT THEM TO THIS DAY.
Consumer complaint received 2021-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

MORE THAN 45 TO 60 DAYS AGO I REACHED OUT TO THE XXXX CREDIT COMPANYS ABOUT ACCOUNTS LIST ON MY CREDIT REPORT THAT I NEVER SIGN OR USED THEY HAVE YET TO REMOVE THESE ACCOUNTS OR GIVE ME ANY INFORMATION ABOUT THEM TO THIS DAY.
Consumer complaint received 2021-04-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank (GA)

I closed on my home XX/XX/2020 and moved in about 30 days later. After several weeks I started taking notice of a lot of big problems that were not disclosed. The bank and the appraiser committed fraud. I have leaking cast iron pipes which are leaking gross water into the partial basement, they are XXXX XXXX XXXX and the plumber said they were stopped up with rotting pipes. There is always water in the basement, Green, white, and black mold and mold inside the house and on the hardwoods. There is structural damage on the outside of the house, someone had replaced the windows in the basement with plexiglass and placed a strip of wood to hold it in. ( I discovered this after I was robbed ), termite damage rampant, roof leaks which have turned to ceiling damage. I was told this had been repaired but no. I do have pictures to enclose.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I asked Transunion for information on a deleted collection and they said that they do not have the information. I filed a dispute around XX/XX/XXXX for a collection and included police reports for identity theft. The item was deleted on XXXX XXXX, XXXX. The same item deleted was reinserted on XX/XX/XXXX, approximately 44 days after being deleted. TransUnion never sent me a letter informing me of the reinsertation. TransUnion then lowered my FICO score by 121 points. I disputed the collection a second time and it was deleted XX/XX/XXXX. The collection amount in dispute was approximately {$600.00}. 
The dates are approximate since after several phone request, TransUnion representatives keep telling me they no longer have the information available to furnish me. 1 ) Why would they allow a reinsertation 44 days after the deletion. 2 ) Why did they not send me a letter informing of the reinsertation. 3 ) Why did they lower my FICO score for the reinsertation that was reported beyond the response time for the deletion. 4 ) Why did I not get my points back onto my FICO score that they took after the second deletion, when they should have never allowed the information to be reinserted.
Consumer complaint received 2020-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/20, I submitted an unauthorized transaction request to PayPal for transactions totaling {$1800.00}. I was given the generic message that they would investigate and I would hear back within 10 days. Much to my surprise, I received an email approximately 4 hours later telling me my claim was denied. According to PayPal, this was due to the transactions being 'consistent with [ my ] PayPal payment history ', which is not the case. I use PayPal sparingly and I haven't used it for anywhere near that amount. The most I have spent via PayPal has been approximately {$300.00} USD, ( this amount is approximate due to the purchase being in XXXX XXXX and currency exchange ), and the rest of my transactions have been under {$100.00}. I would like a refund. Dispute Case ID : XXXX.
Consumer complaint received 2021-08-17
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: BARCLAYS BANK DELAWARE (MA)

BARCLAYS BANK DELAWARE This company was trying to open credit card under my Date : XX/XX/2021 also XXXX Inquiry Date : XX/XX/2021 this one I never authorized
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2020 I don't have contractual relationship with this company. I don't recognize this Collection. Please provide me the name and address of the original creditor.. Account Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.
Consumer complaint received 2024-01-09
Product: Credit 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: Block, Inc. (MN)

XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Mentioned XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX Suspect : XXXX  XXXX On XXXX XX/XX/XXXX XXXX XXXX was provided a Visa debit card by XXXX XXXX. Card number ( redacted ) was issued by XXXX XXXX  XXXX XXXXXXXX XXXX. Account access was secured by password. Transactions were secured by a four digit PIN. 

On XXXX XX/XX/XXXX XXXX XXXX had a credit balance on that XXXX account of {$190.00}. 

At XXXX on XXXX XX/XX/XXXX XXXX online transactions from XXXX XXXXXXXX posted to XXXX XXXXXXXX XXXX XXXXXXXX Account . There were also debits to XXXX XXXX 's account for corresponding transaction fees. 

By XXXX on XXXX XX/XX/XXXX XXXX XXXX 's XXXX account balance was a XXXX  cent debit. 

None of these transactions were with the knowledge or consent of XXXX XXXX. 

The total loss is {$190.00} The transactions were discovered by XXXX XXXX on XXXX XX/XX/XXXX. A report was made to XXXX on XXXX XX/XX/XXXX. An affidavit was provided to XXXX on XXXX XX/XX/XXXX. 

XXXX Security has indicated they are disputing the charges on behalf of XXXX XXXX.
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NV)

I paid my loan payments early for my XXXX payment. Instead of applying it to XXXX they applied it to XXXX. Now they are telling me Im Late for XXXX and wont fix the problem. I Ive spoken with four different people and they have not updated my account but are charging me late fees
Consumer complaint received 2021-09-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly I am now demanding all information be removed accordingly. I am attaching the documents in this file
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (TN)

During yearly credit check on XX/XX/2023 I noticed a collection account that was just added to the report from Resurgent Capital Service LP, XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX after contacting the company they asked my name and social and after a few minutes into conversation the representative said they are part of federal agency and I need to make arrangement to pay the {$1300.00} or they would send it to the local sheriff department. I told them that account is not my account and send them 3 picture government issued ID and sent it to above mentioned address with signature required registered mail, after they received my ID they responded with a letter to my home that shows they have corrected the address on their file to my current address that I gave them on the phone, I contacted them again and they refuse to acknowledge to have received my registered mail but my receipt back from post office shows a person name " XXXX XXXX '' have signed on behalf of the Resurgent Capital, and they should have everything to help them correct this. I also contacted Secretary Of State and got their Registered Agent name and address and have not filed suit yet, I'm trying to get this resolved befor I take to court.
Consumer complaint received 2024-01-10
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Block, Inc. (OR)

No I with some on cash app a little while ago, I told them I was having issues with unlocking card lock card system it was giving me a error, they deactivated my card and send me a new one, which I didn't need and which is on my time and time consuming,
Consumer complaint received 2021-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

My loan was sold to CHFA, and they stopped paying my hazard insurance from escrow, I got my own policy and sent them the declaration page following the directions on the website - 4 times! I finally got someone to listen to me and was told I should apply for a loan modification, I can't afford the XXXX XXXX  monthly escrow increase for the lender placed insurance plus the policy I'm carrying on my own, but no one cares to look into it for me. I filled out the loss mitigation application, and after a month of no response I sent an email to them, I finally received an apology and a list of paperwork I needed to submit, most of it I had already submitted. finally after another month of sending paperwork over and over, I received a notice that my loss mitigation application had been accepted, along with a certified letter stating my loan was in default, That's when I found out my XXXX XXXX had dropped XXXX points, and I started receiving daily collection calls.. after more than a month I received notice that I was given a forbearance, and had seven days left before my payments were to resume. I have 2 credit cards that have reduced my credit limit to my current balance, which increased my debt to credit ratio reducing my credit score even more. I still cant afford the payments, but I was going to pay everything but the increase in the escrow, turns out they wont take a partial payment, so it appears I have to continue defaulting on my loan. I can't refinance because they destroyed my credit, ( it's called dual tracking, which is illegal ), also according to the forbearance letter - I need to make arrangements to pay back my forbearance, so I'm in worse trouble than before. I'm XXXX, and I care for my XXXX XXXX were both on fixed incomes and have only lived in this house for 2 years, and my mortgage has already gone up more than the two of us can afford. I'm hoping to find an attorney to protect my interests, I've used my mortgage money from the last couple months to buy a new heater for the home. so my heating bills don't eat me alive this winter. All I need is to get my mortgage back down the point I can afford to pay it, and CHFA just keeps ignoring me.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to file a formal complaint against XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 
I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX  complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 
Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXXXXXX XXXX 
Please feel free to contact me at XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-10
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: Commonwealth Financial Systems, Inc. (GA)

Common Wealth Financial Services has not provided legal validation of this debt and has not provided any signed contractual obligation which is binding on me to pay this debt. What constitutes legal debt validation is the following : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.

None of these items have been presented to me.

Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 

Since you have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is inaccurate reporting. Please remove it from my credit report.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (LA)

XX/XX/2018 I was contacted by a company named XXXX XXXX XXXX is XXXX XXXX a part of XXXX XXXX XXXX informing me that they where calling to collect on rent that was owed to my previous apartment complex in the amount of about {$1100.00}.

I informed multiple employees over the phone that my rent was paid on time and I had multiple forms of receipts and payment confirmations for the months in question Available upon request.

I was told the person whose job it was to check the emails for claims was not at work at the time. And was told Id receive a back.

XX/XX/XXXX I contacted them after not hearing back. I was told I needed to resend my payment confirmation emails because they where not able to find it due to a typo in the subject line. I did so and have not heard back sense I am worried that this is not resolved and my information might be given to another debt buyer soon.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My unemployment account was locked for ten weeks its been released and cleared and BOA i is still rejecting my direct deposits its now been 5 days they are still rejecting deposits!!!! my districts legislators have emailed and called then still nothing also unemployment has also been in cl tact still nothing I need Myl money Ive also got bills backed up!!!!
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IN)

They call from different numbers up to 15 times a day to my spouse and myself. When trying to see what the debt was, we were yelled at stating that we know what the debt is and dont act stupid. When I requested a letter to verify the debt and to verify who they were, they told me they wouldnt give mail me anything until I gave them my card number. They were very rude, I told them to not contact me again until I receive a letter and we both continue to get calls. 
I first talked to them in XXXX of 2018. Nothing but calls sense.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I retired in XXXX of XXXX. I then paid off my mortgage, automobiles, credit card, etc. and did not have any more creditors between my wife and I. My XX/XX/XXXX credit scores ranged from XXXX to XXXX. For an unknown reason, my wife 's ( Retired XX/XX/XXXX ) credit report in XX/XX/XXXX came back at " XX/XX/XXXX when her credit rating has always been at or above my credit rating. One explanation for this from XXXX XX/XX/XXXX was " Delinquent credit obligations ''. We have been married for 43 years and have always paid our bills on time if not early. 

can you help me with my wife 's credit score?
Consumer complaint received 2020-11-25
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: VALLEY NATIONAL BANCORP (FL)

On XXXX XXXX, 2019, VALLY NTL BK/XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiries on my credit reporte per XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2023 I received a payment of {$100.00} from my boyfriend through Venmo and when I try to transfer the funds to my account it told me that I was unable to do so this is the second time with this Venmo app. Ive tried reaching out to customer service. I have not gotten any responses. I let them know that this is {$100.00} that I needed to use for my child and I and their insensitivity and unwillingness to help was very suspicious to me. I have yet to receive a response the first time this happened. It was {$150.00} and now that its {$100.00} now Im having an issue and before he would send me money we never had any issues but now that hes been constantly sending me money of the amount of just no more than {$150.00}. They are freezing my account not responding to any of my messages or my inquiries. I am a single mother who is doing her best these apps specifically Venmo is fraudulent.