davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (TN)

1.I have never had an account with this company KEY 2 RECVRY XXXX , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are KEY 2 RECOVERY INC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-11-11
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. (NJ)

XXXX XXXX XXXX XXXX is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. 

Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. XXXX clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the XXXX major credit bureau 's violates this act. 

Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. 

By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the XXXX XXXX XXXX and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 
16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me.

Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone.

Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.
Consumer complaint received 2021-11-16
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. (MI)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-08-25
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2016-05-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

Citibank ran a promotion XXXX promising XXXX XXXX XXXX points to consumers who signed up for a new Citigold bank account and followed certain steps including making bill payments and minimum purchases via debit card. The promotional code for this offer was widely available on the internet ( example link : XXXX ). I called their phone number, provided the code, and was told that I qualified for the promotional offer so I opened a bank account. I met the other requirements ( minimum spend and bill pay ) as required and proceeded to wait. After several months I inquired about my points and was told I needed to wait until 90 days after a certain date. Recently, I inquired again and was told by online chat and phone service that I qualified and would get my XXXX points. But secure messages then contradicted this. I have called multiple times and in spite of initial assurances that I qualify for the promotion and the points, supervisors later step in to say that I do not qualify because I was not properly " targeted '' for the offer ( widely available online ). I have given Citi my business and fulfilled their requirements. I want them to honor their end of the deal and give me the promotional bonus I was promised.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC. (VA)

I had accounts with Kay and Jared jewelers that were included in a bankruptcy in XX/XX/XXXX. Both creditors filed claims and received some payment. The bankruptcy was later voluntarily dismissed. I received a call from a " courier '' working for the " state '' from a number with no caller ID several weeks ago. The courier needed me to be at home or work at " XXXX with pictured ID to serve legal documents. '' I was referenced to a phone number in NY. When I called this number I was connected to " XXXX '' who told me my account had already been " sent by the lawyers to my state and county '' and I needed to immediately pay the balance of the collection account ( bought from Kay and Jared ) to cease " legal papers. '' In a panic, I paid XXXX and made arrangements to pay the entire balance ( over XXXX ) in 72 hours from my checking account. I was told I would need to sign a document forwarded to me via email to authorize this payment. I received the document, but DID NOT SIGN it as I am unsure as to the application of payments that were made through the trustee. To my surprise, the collection agency ( XXXX or XXXX ) withdrew over XXXX from my checking account without the signed consent. They money was promptly returned to the account by the agency after a fraud report was filed with our bank. 

Several days later, " XXXX '' from the collection agency called my husband directly and went through the details of the Jared account. My husband was never an authorized party on this account. It was NOT joint and XXXX had no authorization to discuss my account with anyone else. This is a violation of my privacy. Again, there was a " representative of the state '' who refused to identify themselves who had " legal papers to serve at my home or place of employment at XXXX. '' After these incredible unscrupulous ( if not illegal ) collection actions, I was shocked today to discover XXXX XXXX XXXX had listed these XXXX accounts on my credit report. Both show a date opened of XXXX XXXX with a first reporting of XXXX XXXX. Both of these listings make an old pre-bankruptcy account from XX/XX/XXXX look current. When I called XXXX XXXX XXXX I was told that these accounts belong to them, but were " out sourced '' to XXXX. When I stated the experience with XXXX, a very rude individual stated that XXXX was not the same as the agency that deducted money without authorization or discussed details of my account with someone other than myself. The customer service representative kept saying " if that is true tell me their phone number. '' I am not sure why there are so many different names involved with this account. ( XXXX XXXX, XXXX, XXXX XXXX ). I am also certain that these collection tactics can not be legal
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

My account got permanently banned on Paypal for no reason whatsoever that I am aware of. I sell crystals, necklaces and tarot on XXXX and use the name XXXX XXXX for privacy reasons. My real name is XXXX XXXX and my paypal email is XXXX. I have approximately XXXX dollars and XXXX on hold that they are going to hold for 180 days but I need it for bills and I do not want to have to submit a claim and get lawyers involved but I will if thats whats necessary to get what should be mine. I need that money and If someone had a dispute with me that caused my money to be on hold for this long, it is not fair to me as I do not know whats happening. I want to withdrawal my funds and never use Paypal again. This dispute must be settled or I will take legal action as others have said Paypal will take all their money for liquidation fees which is actually not legal as its under the law to only be a smaller increment of total money. I am not risking losing all my money and thus ; am not waiting the entire 180 days as that is half a year. I spoke to a Paypal rep that said they couldnt do anything for me. This is so ridiculous. For confirmation purposes the last 4 digits of my card info on the account is XXXX.
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I am being sued for a debt on a Macys / american express credit card. it is being reporting on credit bureaus as AMEX/DSNB account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) I requested documents to verify this information. for the past 2 yrs neither Macy 's or American express were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, XXXX XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to American express requesting information on this account and have not heard from them.
Consumer complaint received 2021-11-16
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: CBC Companies, Inc. (TX)

I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.
Consumer complaint received 2022-11-11
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: CBC Companies, Inc. (AZ)

i have two data breaches with XXXX  and have had a heck of a time trying to get them to understand that if they continue to use the XXXX. XXXX or XXXX or any other email attached to my social security number is not helping at all. They are to use the only one that I use now, XXXX not XXXX, as those are a part of numerous fraud alerts with ftc, fcc, XXXX XXXX, XXXX. My new email again is XXXX. I can not let you know how important this is as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

I transferred XXXX from my Venmo to my checking with XXXX XXXX ending in XXXX on XX/XX/22. Venmo promised bank transfer by XX/XX/22. As of today, 8 days later I have not received my money. I called, chatted, emailed Venmo over XXXX times in last 8 days. Every rep gives the same response, bank transfer pending under review. Every rep told me the issue is escalated and account specialist will respond in XXXX hours. 8 days later no one called. I just called again today, same response wait XXXX more hours. No one tell the reason. Venmo took my money from same checking with XXXX  but now not giving my money back. Please help! Thanks!
Consumer complaint received 2023-01-19
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: CORELOGIC INC (LA)

CoreLogic Inc. 
1 CoreLogic XXXX XXXXXXXX XXXX XXXXXXXX To Whom it may concern : Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual. 

A review of my XXXX consumer report revealed that CoreLogic Inc. had illegally reported / published information on my XXXX consumer report. 

In accordance with the FCRA and pursuant to 15 USC 1681 Section 602 states that I have the right to privacy. CoreLogic Inc. illegally shared my personal information with an unauthorized third party ( XXXX ). 

Furthermore, and pursuant to 15 USC 1681 Section 602 also states that a consumer reporting agency ( CoreLogic Inc. ) can not furnish an account without my written instructions.

I never gave CoreLogic Inc. permission to report, publish, or share my personal information with anyone. Therefore, I demand that CoreLogic Inc. DELETE any information that they provided to XXXX from my XXXX consumer Report. 

CoreLogic Inc. has violated my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). This is a FCRA violation.

CoreLogic Inc. has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. This is a FCRA violation. 
These FCRA violations by CoreLogic Inc. has resulted in damage to my reputation, character, and credit worthiness.
Consumer complaint received 2021-11-16
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: FactorTrust, Inc. (TX)

I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.
Consumer complaint received 2021-11-16
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My XXXX and XXXX mortgage is with Wells Fargo I struggle each month to make my payments to them. I am using almost XXXX % of my income to accomplish this. I have been requesting mortgage assistance going on 3 three years from Wells Fargo. Wells Fargo is encouraging me to be late on my mortgage in order to give me assistance, however, the definition of imminent default I believe I meet ; My income is XXXX a month ; my total payment is {$3400.00} I have a little over {$2000.00} in the bank, the threshold is {$25000.00}. I do not trust Wells Fargo they have shown zero interest in my struggle to keep my home.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I noted {$6000.00} stolen from my Chase bank account on XX/XX/XXXX. $ XXXX from checking $ XXXX from savings. All withdrawals were made by cashier 's check XXXX XXXX separate checks of {$2000.00}. Bank told me to go to the local branch, and I met with the manager. While I was meeting with her, checks were cashed out in real time. Since the bank would get that info the next day, I returned to the bank the next day, XX/XX/XXXX. I was advised it would be an easy fix. Today, however, I was notified by the bank that money was withdrawn using my ID in Arizona ( XXXX XXXX XXXX XXXX, AZ XXXX ). Two representatives, XXXX and XXXX XXXX ( phone # XXXX ), both confirmed that the person presented my driver 's license, which is my possession. But when this happened, I was in XXXX with the banker, and the person withdrew this in the Arizona Chase branch. We reported this to XXXX Police Dept. Financial crimes unit, phone number XXXX. I am concerned about ID theft and will monitor it. Chase, after a long and tiring phone conversation, told us to submit a police report so they could open an official investigation. We are in the process of doing this.
Consumer complaint received 2022-11-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (MI)

XXXX XXXX sent a debt collector notice/debt validation letter that was received XX/XX/2022. My reply to the debt validation notice was immediately replied to on XX/XX/2022 indicating that the debt was not valid. My notice required 30 days for XXXX to send me proof of the debt, but they immediately put my mortgage up for foreclosure auction before their sending me their proof of the debt. 

I have verification that the loan that XXXX XXXX is trying to collect on is fraudulent and I believe they are trying to avoid my suing them in court because they know that the loan is fraudulent and are looking to sell the mortgage note to get out from the unlawful debt.
Consumer complaint received 2023-01-19
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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
Consumer complaint received 2021-11-16
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. (DC)

this company is clearly and consciously violating my consumer rights in handling my disputes. please see my attachments and process them accordingly. The companies handling of my disputes are affecting my daily life severely as i can not do the things i need to do with the negative remarks on my consumer report.