davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

XXXX XXXX, then Marketing Director of XXXX XXXX, advised me that he could have my book, XXXX XXXX XXXX XXXX, just published by XXXX, republished outside of the US and distributed to foreign countries, He told me not to tell XXXX. On XX/XX/XXXX, XXXX guided me through the process of using my XXXX credit card ending in XXXX ( now defunct ) to set up a PayPal transfer to XXXX XXXX XXXX for {$5000.00} to cover the cost of printing 1,000 books outside of the US. Then on XX/XX/XXXX XXXX directed me to make 2 payments via PayPal to XXXX for the printing of an additional 1000 books, in the amounts of {$5000.00}. and {$1200.00}. The next day, he instructed me to pay {$300.00} to cover the cost of shipping those books via PayPal to XXXX. I have no evidence whether those books were printed or distributed. Efforts to gain information from XXXX   XXXX XXXX led no where. If they were not published or distributed, I want PayPal to return the {$11000.00}. 

A few weeks later, XXXX XXXX told XXXX and me that he thought he could arrange for me to make a personal appearance on the XXXX XXXX show on XXXX. We greeted that news enthusiastically. On XX/XX/XXXX, XXXX told me that the cost for that appearance would be {$30000.00}. to be paid in three {$10000.00}. installments. I assumed that XXXX was aware of this but I didn't consult with them about it. XXXX instructed me to set up a second PayPal account, using the same XXXX Credit card and then he guided me through the process of arranging for the Transfer of {$10000.00} from that Credit Card through PayPal to XXXX. 

A third scheme was proposed by XXXX XXXX. He wanted to place a full page ad in the XXXX XXXX XXXX for the book, XXXX XXXX XXXX XXXX. When I said the full page ad exceeded the money I had available, he proposed a half page ad for {$10000.00}. When I agreed on XX/XX/XXXX, he walked me through the process of charging {$10000.00}. to my XXXX Credit Card to pay XXXX through PayPal. 

On XX/XX/XXXX, XXXX XXXX said he had secured two possible dates for the XXXX XXXX XXXX and that another payment of {$10000.00} was necessary to secure them. Again, he walked me through the process of charging {$10000.00}. from my XXXX Credit card account to XXXX via PayPal. 

on XX/XX/XXXX XXXX requested another {$1500.00} and assisted me in the transfer via PayPal to XXXX. 

Finally, in XX/XX/XXXX, when XXXX XXXX sought to extract more money from me, I contacted XXXX and charged him with extortion, fraud and misrepresentation. I spoke with XXXX XXXX and her manager, XXXX XXXX. They told me to fill fraud charges with XXXX and to contact PayPal. XXXX initially accepted the XXXX charges and then rescinded their decision since I was a party to the payments. They were uninterested in the fact that I was defrauded and misled. 

I filed a complaint with PayPal but they only had the last several charges listed and nothing happened.
Consumer complaint received 2023-04-07
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. (PA)

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and i am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX. XXXX, XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: First Data Corporation (WV)

Telecheck keeps denying my checks on my two checking accounts I hardly ever get an approval and constantly suffer embarrassment and aggravation not being able to get my checks approved on my two checking accounts I want to be able to buy what I need from XXXX or any other telecheck merchant and not have my checks denied I have cleared all outstanding checks but I still get denial after denial and I am fed up with telecheck I need help how can they keep denying me I called telecheck they stated I have no negative information that I shouldnt be having trouble writing checks I want telecheck to fix my file so my checks are NOT DENIED when I need something!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Management Named As : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorizeon 3. Proof that I personally initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action.

Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-02
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 submitted a complaint on XX/XX/2022 to experian for reporting a fraudulent account AND the data furnished XXXX. XXXX responded that they are not reporting this information. Experian responded and said that the information is being reported and will be staying. 

In complaint XXXX XXXX responded that they are not reporting In complaint XXXX Experian responded and contradicted the XXXX XXXX Made. If XXXX told CFPB they arent reporting then this being on my credit by EXPERIAN is a violation of the FCRA!! They need to remove it. Or I will take legal action
Consumer complaint received 2022-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (FL)

I received a medical collection debt on my credit from XXXX XXXXl from 2015. In 2015 my XXXX and I were on XXXX. It doesnt look like they ever submitted this claim to my insurance. I can provide them with that information if needed.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (SC)

Chase never sent satisfaction of payment to county. This should have been done within 90 days sixteen years ago. We did not find out until we tried to get a home equity loan. This is the only thing keeping us from closing. We have called daily, sent emails and have been lied to. We have been dealing with this since XX/XX/2017. Thank you.
Consumer complaint received 2023-04-07
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. (OH)

I recently pulled my credit report, and found numerous errors on my report. I am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax, XXXX, and XXXX  is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give Equifax, XXXX, and XXXX  written permission to furnish these accounts. 

These are the errors I found XXXX XXXX  XXXX XXXX, account # XXXX, XXXX. XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXXXXXX XXXX XXXXXXXX, account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX, account # XXXX, XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX, account # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, account # XXXX, Some of these accounts are passed the statue of limitations allowed to be reported on credit report, therefore they should have already been removed.hhhh
Consumer complaint received 2023-04-07
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-07
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)

I am interested in processing disputes for all inaccurate information on my credit report with Equifax. checking my file ive noticed alot of data that is hindering my file. please review an delete the items listed to clean my report asap.
Consumer complaint received 2020-01-28
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)

My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX   XXXX / XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX / XXXX XXXX XXXX   XXXXXX/XX/XXXX XXXX. XXXX / XX/XX/XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX / XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX / XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX # # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Please delete and block this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my credit report received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-07
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)

Equifax is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

XXXX Bank, XXXX XXXX, PA XXXX charged my bank account {$610.00} for a late payment which included late fees and penalties I missed a payment of {$490.00} but within 30 day I was charged {$610.00} which over a 60 % rate for less than 30 days This happened on XX/XX/2022 with confirmation number XXXX and I want XXXX Bank to stop charging these outrageous fees and penalties to their customers
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Unknown number called me stating I had a Civil Suit against me. They told me they couldn't give me any info but my court date was set for next week and I had to call an XXXX # to find out what it was for. I called XXXX and they told me to ask for a XXXX XXXX. They said if I didn't show up for court I would have a warrant out for my arrest. I called XXXX XXXX and he told me it was for old over drafted fees from Fifth Third bank from 2014. I told him I hadn't been with Fifth Third in Years and I def never left them owed fees. He said that they had sold him the debt and that XXXX XXXX was suing me. I told him this all sounded very odd and like a scam and then hung up.
Consumer complaint received 2022-01-15
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: Experian Information Solutions Inc. (MI)

I submitted a fraud dispute to Experian in XXXX after a few weeks the results came back verified. I called XXXX from Experian who's in charge of my file, asking what documents were shown to Experian that warrants the account verified. He claimed to me that all he can say is that the account was verified electronically. It is now 2022 we all know the way the credit reporting agencies dispute a consumers dispute. XXXX Continued to claim that he can not share how the dispute was verified and that the account holders word has more power than mines XXXX XXXX Experian XXXX
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc. (VA)

Central Portfolio Cont. has made a fraudulent claim on behalf of XXXX XXXX XXXX I to the Credit Bureau stating that I owe a debt of {$810.00}. They are stating per my credit report that the debt/collection was open in XX/XX/XXXX, however after speaking with them via phone, they stated that this is a debt from XXXX and was XXXX on XXXX. They are refusing to give paperwork stating that this is a debt from XXXX and XXXX in XXXX. It also states that the debt was discharged on my credit report however it still states that it is a new debt due to Central Portfolio Cont. on behalf of XXXX XXXX XXXX I falsifying the date on my credit report. In the state of Virginia the applicable statue of limitations is XXXX years. After the statue of limitations has expired, a creditor or debt collector can no longer file a collection of that debt. They are also in violation of the Fair Debt Collection Practices Act ( FDCPA ) due to this being a time-barred debt and falsifying the date of the debt as stated on my credit report.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (NJ)

This is a medical bill collections. But, my health insurance company covers ALL medical costs at 100 %, no matter the procedure, what the visit is for, etc. I DO NOT owe this money. My insurance COVERS IT. I tried to dispute through XXXX and nothing was done about it.
Consumer complaint received 2021-02-28
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: Experian Information Solutions Inc. (WV)

I complained about Experian and also about data that was wrong on my FICO score. It was never resolved, and then I realized you are part of the Experian. You should be ashamed of yourselves. I have credit and have paid for cars, two homes, and was sick for two months in 2016, and it is still held against me that once in my life, I got ill and missed a payment for one or two months ONLY. You are a XXXX sexist, ageist organization, and I hope you are reformed or shut down. Don't bother answering. I know you don't care. But go to XXXX. I feel better. Your parents must be so proud that they raised many con artists that prey on the poor and the elderly.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Best Service Co.,Inc (CO)

I have been receiving letters and calls from " The Best Service Company '' regarding an invalid debt. They have it on my credit report and refuse to remove it even though the original debtor removed their complaint. XXXX XXXX XXXX XXXX messed up on a closed account, leaving it open and collecting fees. They then turned it over to these shady credit collectors. I disputed the original XXXX XXXX XXXX XXXX claim and they agreed and removed their claim from my credit. The Best Service Company has been given the same information and is refusing to remove their claim from my credit reports. I have received a new letter from them saying I have to give them more information or they will continue reporting until I satisfy their inquiry. XXXX XXXX XXXX XXXX removed the original charge and are no longer reporting it! These people are scammers. I have tried calling and each time, get disconnected. Their website is NOT at all helpful, only allowing you to pay or inquire by giving tons of excess mandatory info to submit. 
Please help!
Consumer complaint received 2020-01-28
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: I.C. System, Inc. (NJ)

On XX/XX/2019 I sent a debt validation letter to I.C. System requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$1200.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. System has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C section 1681b.