davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (MA)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-20
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. (MO)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX, DE, XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} MO CHLD SPRT XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$200.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2022-02-04
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. (AL)

Hello this is a formal complaint to request all credit reporting agencies including XXXX, XXXX, and Equifax to stop reporting invalid information in my name. Listed account information XXXX XXXX XXXXI # XXXX, XXXX  # XXXX, XXXX  XXXX BANKRUPTCY # XXXX, that are in no way mine. There is a public record for XXXX  XXXX Bankruptcy on my report and I DO NOT file for bankruptcy. That is false and misleading and has stopped me from getting a approved for a home and much more. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc. (NJ)

On or about XX/XX/2023, I called Avant in order to get my payments reduced because of financial difficulties, Ive paid approximately 50 % of a {$10000.00} loan already and looking to reduce the monthly payment amount because of financial hardship. Noting that Ive never missed a payment so far, Avant employee names XXXX rudely tells me that they can not help me and that couldnt get me a supervisor and that even if they get me a supervisor they will tell me the same decision. The conversation was recorded as claimed by Avant
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiryon my Equifax, XXXX and XXXX ) credit report XXXX My latest credit report shows 1 credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: ENCORE CAPITAL GROUP INC. (CA)

I've never felt more scared they come banging on my front door they call me nonstop even showed up at my place of work I've never had any business with them please help.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I was approved on a loan modification on XX/XX/XXXX to start paying a mortgage in XXXX for a rate of $ 2.875 % 40 years to lower my monthly payment but after closing I receive a letter stating that I received a step-rate modification so starting XX/XX/XXXX the rate is increasing at 3.875 % then on XX/XX/XXXX will increase again at 4.875 % and on XX/XX/XXXX will be 5.25 %. So I am questioning was the purpose of the modification? if wellsfargo increase the to 40 years plus interest and the este of 2.850 % is only good for 1 month a the worse problem nobody never explained me about this increase over time, I agreed on the modification, thinking I will lower my monthly payment and lower the interest of the loan I was informed after the closing about this step-rate mortgage modification in a letter received in the mail. I feel this is a scam of modification and not helping during this COVID crisis to homeowners to lower the payment of the mortgage, I am Very disappointed with Wellsfargo, I need help to resolve it. A better modification that will help me.
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (PA)

Credit Collection Service had placed this negative items on my credit reports without notifying me. Credit Collection Serivce violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Turning Point Solutions LLC (CA)

GS Holdings in NY called me last week and demanded I pay a debt and threatened that papers were filed to sue me. I gave them my debit card after they told me they would send verification that I paid and the debt was cancelled as soon as my card went through. They immediately took {$1000.00} out of my account..I never received any verification letter ( they were supposed to email it ) .I waited 5 days and no letter so I contacted my bank and they reported it as fraud. I realized I was scammed. One week later a man named XXXX XXXX the director of operations so he said, called and started threatening me because I cancelled the payment and reported it. He started screaming at me and threatening me. I told him to stop yelling at me that he was not my father and he is unprofessional. He screamed " You sound like my wife '' ... .I told him I talked to my lawyer and my lawyer said to have GS holdings call him call him. The man started screamed at me again and then hung up. I tried to call the number back and it said the number was unavailable. That is definitely fishy, why would a legitimate company not have telephone that worked? And they called off different numbers but all from XXXX XXXX My lawyer said debt collectors can not call you and they can not yell at you or threaten you. He told me to absolutely not pay it, he thought it was a scam!! They should be shut down!!!
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : XXXX XXXXXXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Collection XXXX XXXX XXXX XXXX XXXX ) XXXX Utility sent the inaccurate informations more than 60 days ago : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX address was not previous as stated by XXXX : see attachments for proof :XXXX XXXX XXXX XXXX XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted
Consumer complaint received 2018-03-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: MORGAN STANLEY & CO. LLC (CA)

Dear CFPB Director : 1. XXXX XXXX ( now becomes Morgan Stanley ) claimed my 4 shares of XXXX stock from CA XXXX XXXX XXXX without my permission. 

2. On XX/XX/1992, CA XXXX XXXX XXXX paid $ XXXX.to XXXX XXXX XXXX XXXX 

3. I have contacted Morgan Stanley for last 5 months and requested Morgan Stanley refused.to return my money.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (TX)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights. Under 15 UCS1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States : report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage and should be excluded per section 2 of Rules of Construction. Equifax is reporting several late payments on mutiple accounts. 15 USC1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Equifax written instructions to report anything to my consumer report, let alone late payments or utilization. There is nothing about the reporting of theses late payments that is accurate and my privacy has been violated due to Equifax reporting these late payments and utilization.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I am writing to formally lodge a complaint regarding the mishandling of my account closure reporting by XXXX XXXX. On XX/XX/year>, at approximately XXXX hours, I made the decision to close my account with XXXX XXXX  and received a {$20.00} withdrawal from the account at the time of closure. Subsequently, in XX/XX/year>, I received a closeout statement that accurately reflected this transaction. 

However, to my dismay, in XXXX of XXXX, I received a letter backdated to XX/XX/year>, stating that my account was charged off and closed in the amount of {$20.00}. This erroneous information was also reported to check systems and XXXX XXXX, which is a clear violation of the law. 

I want to emphasize that the account was closed voluntarily by me, and I have the receipts attached as evidence of the {$20.00} cash withdrawal received at the time of closure. The fact that XXXX XXXX  has reported this as a charge-off for {$20.00} is not only inaccurate but also damaging to my financial reputation. 

This misinformation constitutes defamation of character, inaccurate business dealings, and, at the very least, fraud. I am deeply concerned about the implications of this erroneous reporting, as it could have severe repercussions for my financial standing. 

I demand that XXXX XXXX  rectify this issue immediately. You must correct the erroneous reporting and remove any mention of a charge-off from my account. Failure to do so within five days of receiving this letter will result in legal action being taken against XXXX XXXX. 
Furthermore, I will explore all available legal avenues to seek justice, including but not limited to filing a class-action lawsuit on behalf of all customers affected by similar inaccuracies. 

Please be advised that I am fully committed to pursuing this matter until a satisfactory resolution is reached. I expect a written response confirming that the issue has been rectified within the stipulated timeframe. 

Thank you for your prompt attention to this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
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. (CA)

I have continuously asked Experian to remove the erroneous information regarding a phone number that is used to contact me which is not my number nor have I ever had this number that they keep listening on my credit report for the personal statement the phone number they keep putting on my credit report is ( XXXX ) this is not my phone number nor has it ever been and somebody has been hacking and tampering in and I am a victim of identity theft they have put this phone number across all three credit reports I reported it to Experian they still refuse to remove it even after I made a statement they took it off XX/XX/XXXX I got an alert from one of my other credit monitors stating that was removed and I never requested it it has no expiration date my personal statement and I have proof I would like to submit copies of what they're posting my phone number is XXXX and has been for years and it's the same number that's in my profile experience is assisting these people in targeting me they have a leak in their system
Consumer complaint received 2023-05-08
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 XXXX XXXX Acct # XXXX and XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-07-20
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

On XX/XX/2020 i sent a debt validation letter to National Credit Adjusters and they received it by XX/XX/2020 via certified mail. I did give them 30 days to respond and didn't receive a written response to my request.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Hello Good Morning I am experiencing difficulties in receiving payments through my account. In the last transaction, my client reported issues when attempting to send payment to my email address. When I tried to send an invoice, I encountered an error message. The same happened when I tried to integrate the checkout link into my sales page. After several attempts, I finally managed to receive the payment, but at that very moment, my account was blocked. I have sent all the necessary information to resolve the situation, but so far, I have only received automated responses. I would like to emphasize that I have an excellent reputation on the platform, with XXXX transactions completed and no complaints. I have completed all the necessary steps and verifications, and my service or product complies with PayPals acceptable use policy. I have met all the necessary requirements within the platform. Therefore, I earnestly request that you review this decision. I need to regain access to my account as soon as possible to resume my business activities. So far, I am only accumulating losses. Please, I ask that you review my case again. Thank you.
Consumer complaint received 2021-02-25
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: SYNCHRONY FINANCIAL (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and SYNCB/XXXX XXXX and XXXXXXXX XXXX XXXX. The Account Opened is SYNCB/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (AZ)

I am the victim of fraudulent activity on my credit. I am in the processes of reviewing all of my accounts and have notify all XXXX creditors. My credit status has been and is currently under a fraud alert. I made a written request to Barclaycard 's on XXXX/XXXX/15 asking how to submit an FTC Fraud Affidavit. I am also requesting information of what is needed to process that request. IE A copy of Barclaycard 's written policies and procedures informing consumers how to request application information and business transactions records about consumers transactions alleged as the result of identity theft, as per the Fair and Accurate Credit Transactions Act ( FACTA ) I have received no response to my request. My letter was sent certified mail on XXXX/XXXX/15.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

very very very old debt, out of the statute of limitations, paid in full years ago, and the company has a collection agency attempting to collect the same debt again and its expired from 6 years statute ... I have sent them cease and desist letters and they have not complied. please help