davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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: SYNCHRONY FINANCIAL (FL)

GOOD DAY SIR / MA, I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. 
THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. 
I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO, ALSO SOME CAR DEALERSHIP, AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED. 

ATTACHED ARE THE PICTURE OF COMPANIES REQUESTING AND MONITORING MY CREDIT SCORES YEARLY.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (MS)

IC Systems, INC is claiming I owe {$460.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Consumer complaint received 2022-11-14
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: LEXISNEXIS (FL)

I've been trying to get a copy of my Lexis Nexis / XXXX XXXX report for the longest and every time i fill out the form, I never receive anything in the mail. I am frustrated because I need to dispute incorrect information from my report that's preventing me from obtaining lines of credit.
Consumer complaint received 2022-11-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAB, INC. (IL)

XX/XX/XXXX I obtained a commission advance from XXXX XXXX for the property at XXXX XXXX XXXX XXXX. in XXXX. I borrowed {$4600.00} and the amount due at closing was {$6800.00}. 

The property closed on XXXXthe buyer 's broker received the buyer as a lead from XXXX and XXXX was due a referral commission in the amount of {$4000.00}. 
It was XXXX 's responsibility to send their invoice to the title company, the closer I am assuming was confused and sent XXXX XXXX commission to XXXX. 
XXXX contacted me and told me they didn't receive their full balance and I owed them an additional {$2800.00}, which I sent to them on XX/XX/XXXX. 

I can't be certain about the chain of events as this was 4 years ago and a lot has happened in our world since that time. 
At some point XXXX, I can only assume sent their payment back to the title company and I was now responsible for paying the balance to them when the closer at the title company made the original error by not paying both XXXX and XXXX. 

I paid XXXX  XXXX {$2800.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$1000.00} and XX/XX/XXXX {$1500.00} to RAB , Inc collecting on behalf of XXXX 

Since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  has been contacting myself, my broker, my co-workers and the owner of the company I am now with, XXXX XXXX. 
The original company XXXX XXXX has since been dissolved.. 

On XX/XX/XXXX XXXX stated I owed XXXX  {$4700.00}, I paid them {$1500.00} that day and they received it XX/XX/XXXX, on XX/XX/XXXX, she stated I owed {$5300.00}. 

She has false statements and is striving to collect the wrong amount, she has also threatened myself and my current firm. 
XXXX XXXX has shared information improperly and threatened to take negative legal action.
Consumer complaint received 2021-12-13
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. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2017-01-08
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. (CA)

Google Wallet wo n't transfer my balance ( {$1400.00} ) to my bank account, despite multiple verifications and transfer request forms. They claim to have suspended my account due to terms of service issues, but will have to at least release my funds, wo n't they? Multiple attempts to resolve it with customer service lead nowhere, each thread gives new and conflicting information. Telephone and chat service are disabled. Online research reveals that numerous people are in a similar situation which is surprising given Google 's otherwise great reputation.
Consumer complaint received 2022-11-14
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: Navient Solutions, LLC. (TX)

I was alerted in XXXX or XXXX that a XXXX XXXX  loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX, we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, Sallie Mae was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my XXXX XXXX decreased by XXXX points. I was under the impression that Navient will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AZ)

I have never been contacted by or communicated with these two companies : Phoenix Financial Services LLC and XXXX XXXX XXXX. XXXX. I first discovered them while monitoring my credit reports in XX/XX/2022. I immediately sent them a letter disputing their claims. They claim I owe {$1200.00}. This is not accurate. I owe them nothing. I have never received any services from them. I'm a XXXX veteran and receive 100 % of my medical care from the VA and have done so for the past 25 plus years.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (DE)

XXXX XXXX and Penn Credit Corporation is engaging in unlawful extortion by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. XXXX XXXX, Penn Credit Corporation and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX transferred the account in reference without lawful authority to Penn Credit Corporation which is a violation of code 18 USC 1028 ( a ) ( 2 ). Penn Credit Corporation obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Penn Credit Corporation and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Penn Credit Corporation does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Penn Credit Corporation is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Penn Credit Corporation that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Penn Credit Corporation has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
Consumer complaint received 2019-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NY)

I received a letter from a collections agency [ AFNI Inc ], claiming that I opened a loan from XXXX. I responded to the letter asking for more information and validation, proof, and an original copy of the loan agreement with my wet ink signature. They habitually ignored my request. It has been well over 90 days and I have not gotten a response to what the loan is. Upon further investigation it appears that my name and address was used to open the account and/or billing reasons. This is without a doubt true name fraud, which I informed them because I have never lived in the city or address that they claimed or received any goods from XXXX.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. It has now been 60 days since I have sent this letter to investigate further into These items as they are not validated to be specifically mine. Section 611 ( a ) states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my report and once again, it has now been 60 days!! So both items need to be deleted immediately or I will file for litigation due to the XXXX you caused me!! Further, I need the letter I sent responded to with ALL the questions answered.
Consumer complaint received 2023-03-14
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: Synovus Bank (GA)

1STPROGRESS/XXXX XXXX XXXX XXXX XXXX XXXX Accounts : {$200.00} each I have called First Progress three times requesting this information be removed as it is fraud and not something I applied for on their platform. The first call I had with them, they confirmed the credit cards that were applied for were returned to them, further confirming this was something not fulfilled by me. The confirmed they would investigate and let me know what they came up with. 

After a few weeks, I heard back from them via mail and they confirm these accounts were fraud through their investigation- this was early XXXX when i heard back from them with their confirmation. Both of these account should have been removed but they're still on my credit across all three of the major credit bureaus which is hindering me from getting a home and apply for credit needed to keep my business open. 

The third piece of communication i got from them stated the investigation finding were in my favor and they would send communication to the creditors removing them late payments and accounts from my credit. I have a letter confirming the communication.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Consumer complaint received 2022-11-14
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)

In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-14
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: Bliksum, LLC (OH)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 B a creditor may not treat a payment on a credit card account under and open consumer plan as late for any purpose.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TN)

My information was stolen on a website that I put my information on and did not realize what exactly happened until I looked at my full credit report and saw so many incorrect accounts on my report. And I will work to get every negative account off of my credit report that was opened fraudulently.
Consumer complaint received 2022-11-14
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: ID Analytics, Inc. (FL)

I've been trying to get a copy of my XXXX XXXX / Sage Stream report for the longest and every time i fill out the form, I never receive anything in the mail. I am frustrated because I need to dispute incorrect information from my report that's preventing me from obtaining lines of credit.
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I have been trying to work with paypal on my identity theft. XX/XX/XXXX, I was contacted by someone who stated they purchased shoes from a website, and was sent a receipt with my name, and information as the " seller ''. I looked more into it, contacted paypal, and found out that someone else had a paypal account using my social security number, name, phone number. This person so far has scammed 9 people that I know of, each of them have contacted me with very similar stories- they went on a website to purchase, and got a paypal receipt stating my name as the seller. 

When i first spoke to paypal, they told me to have the victims of the scam to file a dispute with paypal, and they told me they would start a ticket for the issue. 

I called two days later to find out no ticket was started for me, and funds were still going into the account, which now at this point had almost XXXX in there. It took them 5 calls from me for them to actually put a hold on the account. 

as of XX/XX/XXXX, the account is still open, they havent taken the inititive to close the account, and i have been contacted by 3 of the people that were scammed and they said paypal denied their disputes.

Paypal is not doing things right. These people got scammed, and I sent them the FTC and police report to show proof, and they are still denying claims against fraud. I have spent much time on the phone with paypal, i have gotten hung up on many times. This company is taking advantage of this situation, and it is not right!
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I request to see results soon considering that this complaint has been filed before and you have failed to comply with the time that federal law provides, or I would have to take other legal action towards you to see results
Consumer complaint received 2021-12-13
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. (NV)

We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for 5 hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get XXXX at least for the time being. All the agents look so XXXX and annoyed. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened TWO NEW CREDIT CARDS FROM XXXX. The first one is from XXXX XXXX XXXX with a credit limit of {$1600.00} and the second one is from XXXX XXXX Bank XXXX XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us. 

It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to XXXX and XXXX XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with XXXX too.
Consumer complaint received 2017-01-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (MD)

I initiated a credit chargeback with PayPal for services unrendered on or about XXXX XXXX, 2017. XXXX XXXX promptly refunded my money, but earlier this week PayPal incorrectly recharged my card. That money should be refunded immediately. Case ID : XXXX