davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (NV)

DUVERA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with fair credit reporting act XXXX account # XXXX violated my rights. 
15 USC 1681 Sect 602 state I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open account consumer credit plan as late for any purpose. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) Was signed To stop adverse credit reporting during the COVID-19 crisis Under the amended FCRA, if a `` furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.
Consumer complaint received 2018-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

XX/XX/2018 {$520.00} Debt Collection Agency : XXXX   XXXX, XXXX XXXX XXXX XXXX sent {$520.00} to a debt collector. I am very confused because I used to have XXXX, I have recently closed it like 5 or 6 months ago with no balance. My account was successfully removed and unable to login at all. I have no idea why I am having a debt agency coming at me, I haven't owe any of these from XXXX. I only used XXXX to sell merchandise on XXXX.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2023, at XXXX, an email was sent by Ally Bank stating that my wire transfer for {$19000.00} had been approved. However, I was traveling and did not have access to my email account until Monday morning on XX/XX/2023. When I saw the email, I immediately contacted ALLY Bank by phone to tell them that I did not authorize any wire transfers. I asked them to reverse the transaction, they then contacted the corresponding bank, and they told me that the corresponding bank refused to reverse the wire transfer and there was nothing they could do except file a dispute claim. I filed a dispute with ALLY Bank, and I reported the transaction my local police department and the FBI since this was an international transaction. I then had an attorney prepare and send a formal response to the Bank 's initial denial. Over the next 5 weeks, I made a number of calls and sent emails to them and on XX/XX/XXXX after almost 2.5 hours in calls with them, they stated that they would not return the funds to my account. In fact, they put a hold on the remainder of my account and upon their decision, they closed my account and sent the balance to me. 

I believe that the following facts should have raised red flags regarding this transaction that should have trigger additional verification by ALLY before they made this wire transfer : 1. In the 5 years of having this account, I have never wire funds in excess of {$1000.00} and each wire was from the ALLY Bank account to my personal checking account, which means this transaction was 19 times more than any previous transaction. 
2. This is a personal saving account why would I be purchasing goods directly from XXXX using a personal saving account. 
3. The amount of the requested wire was more than 50 % of the then account value. 
4. The inability to reverse international wire transfers 5. The level of wire fraud on transfers to XXXX. 
6. The wire transfer appears to have been requested on a Friday and sent the same day. Given the nature and size of this transaction, I do not understand why they would not have given me at least one full business day to confirm before taking an action that could not be reversed.

I have some mental a
nd physical disability and this account represents my life savings. I am not financially sophisticated, but I do not understand how a bank could withdraw that sum of money from my account without my prior knowledge. 

If you need any further information, please contact me. 

Thank you in advance for your attention in this matter
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed on numerous occasions that an account called XXXX that is listed on my credit report doesn't belong to me. Anyway, the Fair Credit Reporting Act clearly states that all the information on a person 's credit report must be accurate and complete and if any information is missing then that makes the credit file incomplete and thus should not be listed one 's credit profile. On all three credit bureaus the date of last payment is missing. The date that the account allegedly went into delinquency is different with all three credit bureaus. The amount owed is different with all three credit reports. 
The removal date for this account is different on all three credit bureaus. So, therefore this account is inaccurate and should be deleted from my credit report immediately and this account doesn't belong to me as I am a victim of identity theft
Consumer complaint received 2018-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I am a seller on XXXX. I use Paypal as there is no other real choice for sellers on XXXX, Paypal is where the financial transactions from XXXX  sales are done. My XXXX sales are my primary source of income, so when the funds are made available in my Paypal account I transfer the money to my checking account. 

on XX/XX/2018 Paypal placed limitations on my account. The requested! : 1 : Photo ID - Which I submitted 2 : Provide proof of fulfillment - I submitted screenshots of XXXX listing with Shipping tracking # & confirmation of delivery of the order 3 : Provide purchase receipt from your supplier - I submitted an invoice for items I purchased ** This request struck me as intrusive, and bizarre. Why would Paypal be monitoring who my supplier is? Wouldn't XXXX if anyone be asking that? Also, as a seller on XXXX, not all items are supplied. Some are household items, or stuff we want to get rid of ... how could I possibly provide an invoice for that stuff? 

It's 4 days later and the case is still being reviewed. I'm unable to fulfill recently completed auctions, or ship those items as I purchase shipping via XXXX, which debits my Paypal account. 
I have a 100 % Positive feedback score on XXXX. ZERO negative. I've worked very hard to build my reputation. This situation with Paypal is jeopardizing my XXXX seller reputation, my buyer reputation ( I have an item I'm unable to complete the purchase of because again, MY funds are not available to me ) I have a postive account balance. No disputes. No issues from buyers. 
NO PROBLEMS WITH ANYTHING! I spoke with XXXX and they verified my account was in excellent shape, no issues. 

Since the account limitation was placed I have been forced to Cancel orders that I am unable to fulfill costing me nearly {$100.00} in lost sales. 

I am unable to withdrawl my own money, yet Paypal had still collected it's fee for every transaction! If Paypal collects it's fee, the order sent, and received by the buyer, why can paypal prevent me from accessing my own money??? It's unbelievable! It is hurting my ability to make a living, and its preventing me from fulfilling my sales, and obligations. 

Please help me. Calling Paypal takes 2 hours of hold time nly to be told I have to wait. This is hurting people!
Consumer complaint received 2024-09-16
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. (AZ)

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report.

The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information 1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEFINE XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

What time do you make electronic payment before the end of the grace period for approximately {$3200.00} for XX/XX/XXXX the payment was held by fifth third bank and was not excepted despite there being sufficient funds. I called after making a payment and they confirmed over the phone that the payment was made on time and for the sufficient amount and I was not to worry however the bank still held my payment I have a late charge and a negative report reflected on my credit for this payment of XX/XX/XXXX.
Consumer complaint received 2021-04-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/2021 Portfolio recovery add a derogatory mark in my credit report at XXXX XXXX  upon further research this account was transferred/ hold and I am not longer responsible for the account, debitors credit did not verify this collection. Also there's was not written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the fcra Portfolio recovery has violate my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-24
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. (NC)

On XX/XX/2020 XXXX XXXX XXXX accessed my personal credit report. This inquiry is a result of identity theft. Federal Trade Commission Identity theft report is on file, and as a result I have placed an extended fraud alert on my personal credit report. Wish to have this inquiry disputed.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

For the past two or three transactions that I've attempted to make using Western Union they have accepted the payment and confirmed the transaction only to take the money from my account, and when my wife goes to pick the moneyup in XXXX she is told that they can't pay it out and I need to contact Western Union. Once I contact them, I'm told that there's a hold on the transaction and it will be refunded to my account in 3-5 business days. The first one was on XX/XX/XXXX for {$1500.00} and the other one was today XX/XX/XXXX for {$200.00}. This is insane, I typically don't have enough money in my account to resend the same amount of money that I just tried to send and they are holding. Last time I was told that it was because they are unable to pay out more than 9000 pesos, and this time I sent $ XXXXUSD - which would have been XXXX pesos and was given the same XXXX  reason for reversing the transaction. Also, I just checked on the app to make sure I got the dates correct and the transaction from today still shows 'In Progress ' after they specifically told me they were cancelling it. So they're basically just collecting interest on it. 

If they aren't going to pay the money out why would they accept the transaction in the first place? They have all the info available before they take the money out of my account ( destination, amount, etc. ), and they still take the money. So while they collect interest on the money they took out of my account my wife has no way to pay her electric bill or phone bill because i have to wait 3-5 business days for them to give me my money back. Customer service is worthless, I've been read the same script twenty times already. Either they don't understand the problem or they don't care, probably a mix of both.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

There are duplicate reports appearing on my credit report which indeed has an impact on my score. The reporting that has duplicates is XXXX that starts with XXXX. XXXX that starts with XXXX had been cancelled when the account opened years ago. XXXX that starts with XXXX still reported to the bureaus. XXXX that starts with XXXX does not answer their phones to settle this issue. EXPERIAN is the only bureau reporting XXXX that starts with XXXX and multiple upon multiple disputes have been ongoing with EXPERIAN trying to show their is many errors with this file. Please advise
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have disputed this problem several times with Capital One Bank and the three credit bureaus over the past year with no results. I had two credit cards with Capital One that I let get behind, but when my finances got better a few months later I called Capital One and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with Capital One that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX  XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off from my credit report.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

We where offered {$45.00} statment credit if we set up three bill payments. Only received 1 {$15.00} credit for XXXX. Called customer service XXXX and was told to wait a business cycle. During that time filed a verbal complaint. On XXXX called and filed 2x complaint about missing reoccurring bill payments. Completed multiple XXXX cell reoccuing payments and set up XXXX car insurance in reoccurring biannual payments. Customer service XXXX refused to give me complaint numbers.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Monday morning XX/XX/XXXX I checked my prepaid Bank of America account and found there were two charges for {$950.00} at XXXX XXXX bank, one on XX/XX/XXXX and the other on XX/XX/XXXX. I called in immediately to let them know of the fraudulent activity and they sent me out a new card. On XX/XX/XXXX I called them to get an update and to update them with info regarding my police report. A few days later I called to get an another update from them and they told me my they didnt have any of my information. This happened twice. Then after I finally got them to keep my info, I received the letter stating that my claim had been closed. I reopened the claim and then a few days letter received another letter stating that an additional review of my case had been done and the original decision was correct.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I deposited in my checking account number XXXX at Bank Of America that is opened under the name of XXXX XXXX XXXX XXXX  the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. On XX/XX/XXXX the amount of XXXX dollars was pulled from my account stating that the check was double deposited which is false statement. 
During last conversation with a Bank of America representative they agreed that the check was deposited once and the bank who issued the check, XXXX XXXX did not cover the check. Since somebody inside the bank made a mistake they want t cover it and declared the account at XXXX XXXX having insufficient funds so the banks can cover their mistake .That is a wrong affirmation and the person who wrote the check DID have sufficient money in the account. Instead of fixing the issue Bank of America sent me to XXXX XXXX to ask them directly for money. Both banks made an error and one of them kept my money.