davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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: Bread Financial Holdings, Inc. (VA)

I disputed the following information below contained in the attached files with XXXX, XXXX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY/XXXX  XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

A person reached me out in XXXX XXXX to sell me a bag I was looking for. This person 's name is XXXX. I know there's XXXX in my XXXX XXXX, but unfortunately, it is an identity theft of XXXX XXXX that pretended to be her. I paid {$5000.00} to scammers Paypal through friends family transfer not knowing its the ID thrift s account. I contacted the real XXXX and found out it was a scam. She never contacted me. It was someone using her name and copying her XXXX account. I immediately send the money request to the scammer 's account to try to reserve. It didn't work. I contacted PayPal and my bank to hold the fund since its still on hold status at the scammer Paypal side. The scammer tried to call me on XXXX XXXX. I didn't answer. I called Paypal and XXXX XXXX to stop the fraud before it went through on XXXX. Unfortunately no customer service opened after hours. The fund was from both my PayPal balance ( {$1900.00} ) + bank savings ( XXXX ). I contacted my bank to restrict my bank before money was requested from Paypal. I filed a dispute ( XXXX ) on XXXX with PayPal but got denied XXXX XX/XX/XXXX since they said they do not liability with personal transfer even if it is a fraud and will not hold funds. The fund just went through today on XX/XX/XXXX. It is very disappointing because I contacted right away at that point. This person is not the person I intend to transfer money to. This person used a fake ID and name. I do not understand Paypal has the power to hold the fund and invest on suspicious accounts but it didn't. The receipt is a criminal. Paypal said the fund will charge me back as a negative account. I do not want to pay Paypal anymore. I wish to get my fundsback. I have tried everything I can and provide all information to the bank and Paypal. I filed the police report : XXXX with XXXX XXXX on XX/XX/XXXX. Please justify and stop this criminal. Thanks. 

PS. 
Another victim : From the XXXX XXXX, on XX/XX/XXXX, another victim XXXX also got into the fraud with the same scammer to the same Paypal account using the same way. But due to my dispute, the scammer 's Paypal transaction didn't go through. The scammer gave her another bank account to transfer money via XXXX ( for a purchase of a goods ). Scammer provides the address and bank account number to receive money ( {$4700.00} ) from XXXX successfully. XXXX contacted me because the real XXXX told her I am also a victim. The real XXXX is filing identity theft. XXXX gave me the scammer 's bank info- Name : XXXX XXXX XXXX XXXX : XXXX address : XXXX XXXX XXXX, XXXX XXXX, XXXX. postal : XXXX.
Consumer complaint received 2024-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received a payment via Venmo of {$1100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX - transaction ID XXXX - as payment to rent my timeshare at XXXX XXXX XXXX from XXXX as advertised on XXXX 

The resort ( XXXX ) has a long list if typical amenities listed including internet service. It is in a well known location in the XXXX XXXX at approx XXXX ' elevation. 

XXXX checked in on XX/XX/XXXX. Late on the XXXX day of this stay ( XXXXXXXX XXXX on XX/XX/XXXX ) he contacted me for the first time indicating that the internet was not working well ( and/or art all ) for him. I responded immediately - checked with the front desk, other friends staying at the property and XXXX XXXX. All reported that there was no internet outage. ( I stayed there myself from XXXX and experienced no internet issues ). 

Nonetheless, XXXX was insistent that his internet was not working properly. I provided a variety of nearby local suggestions where free internet was available ( rec center, library, XXXX, etc ). He indicated these were unacceptable and that he would be leaving and wanted a refund. I reminded him that the posted check out time was XXXX and told him to confirm when he had left and had returned the week long use beach card he had been issued at check in ( as required ) so that I could have the unit cleaned and could post the remainder of the week for rent at which time I would issue a partial refund. 

I never heard from him again. I contacted the manager who reported that he did not leave until 2 days later ( XX/XX/XXXX ) and after check out time- so a 6 day stay of 7. He also used all the beach passes and failed to return the card as required. 

Dispute XXXX was filed on XX/XX/XXXX - XXXX months after payment and almost 2 months after check out. Venmo has frozen my account & apparently sent the entire rental payment back to XXXX, despite saying this doesn't qualify for purchase protection for the buyer. It's impossible to reach a CSR in person. They indicated the buyer 's credit card company decides what happens and offer me no protection against this attempted fraud as implied. This person stayed 6 days and used all services/amentities of my condo and is attempting to do so for free because he allegedly couldn't get internet to work.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/XXXX called XXXX to confirm an potential order placed would arrive by XX/XX/XXXX XX/XX/XXXX XXXX  rep confirmed deliver in 3-7 days by phone XX/XX/XXXX placed ordered monoscope for Christmas gifts XX/XX/XXXX order charge to my Capital One Card XX/XX/XXXX XXXX  provide order # XXXX XX/XX/XXXX to XX/XX/XXXX made 7 documented requests for a tracking number XX/XX/XXXX XXXX said was packed and sent to courier ( documented from XXXX  ) XX/XX/XXXX No tracking number, XXXX committed to provide tracking # in 48 hours XX/XX/XXXX No tracking number after 48 hours XX/XX/XXXX Consumer cancelled order ( documented from consumer to merchant ) XX/XX/XXXX Filed dispute with Capital One XX/XX/XXXX Filed complaint with Virginia State Attorney General case # XXXX XX/XX/XXXX Filed complaint with Consumer Affairs, case report # XXXX XX/XX/XXXX Filed complaints with XXXX XXXX XXXX, XXXX confirmed receipt XX/XX/XXXX Filed complaint with FTC confirmation report # XXXX XX/XX/XXXX Capital One correctly removed all 3 charges related to this purchase XX/XX/XXXX XXXX  shipped items ordered via XXXX with XXXX tracking # XX/XX/XXXX Consumer accessed XXXX and completed an online redirect to sender XX/XX/XXXX Confirmation of the XXXX redirect was printed by consumer XX/XX/XXXX Capital One issued a letter stating the charges will be " reapplied '' XX/XX/XXXX Consumer opened a dispute case with Capital One XX/XX/XXXX Online Case link was provided by Capital One to Consumer XX/XX/XXXX Consumer provided purchase receipt of XX/XX/XXXX, cancelation of XX/XX/XXXX XX/XX/XXXX Consumer provided document confirming XXXX  XX/XX/XXXX shipping XX/XX/XXXX Consumer received the items ordered in the USPS residents mail box XX/XX/XXXX Consumer requested merchant provide a postage paid return label XX/XX/XXXX Merchant Refused ( merchant responses are in writing ) XX/XX/XXXX to XX/XX/XXXX Consumer evidenced order was cancelled PRIOR to shipment XX/XX/XXXX Merchant offered 20 % on the items or return at consumer expense XX/XX/XXXX Consumer Returned via USPS priority sent return receipts to Capital One XX/XX/XXXX Consumer Sent Return Confirmation and USPS receipt with tracking # XX/XX/XXXX Capital One and Merchant USPS tracking documents were sent online My complaint is that a merchant can ship AFTER an order is confirmed as cancelled under all the above circumstances AND charge the consumer to be burdened with the expense of the return. This is clearly an unfair and deceptive business practice. Therefore, I am filing this complaint. In addition I offer support and participation of any class-action suit against, XXXX, and or their affiliates for damages should such a case be brought before XXXX XXXX.
Consumer complaint received 2022-10-31
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. (CA)

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 XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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. 

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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-01-30
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (CA)

this IS MY ADDITIONAL COMMENT TO THE LAST BBPV COMPASS RESPONSE. 
FIRST, COMPASS PROVIDED ME WITH A COPY OF THE XXXX XXXX XXXX DEP BOX CONTENTS IN WHICH COMPASS ITSELF DESCRIBED THE COMPLETE CONTENTS OF THE XXXX XXXX XXXX DEP BOX WHICH WAS OPENED BY XXXX XXXX XXXX NOT IN MY PRESENCE. COMPASS PROVIDES A LIST OF 13 ARTIFACTS THAT WERE IN THE BOX. THERE WAS NO CURRENCY LISTED AS BEING PART OF THE DEPOSIT BOX INVENTORY. COMPASS ORIGINALLY SAID THAT THEY SENT THE CONTENTS OF THEIR DEP BOX INVENTORY TO TEXAS UNCLAIMED PROPERTY BUT NEXT THEY SAID THEY SENT ONLY XXXX DOLLARS OF NON-EXISTENT CURRENCY AND RETAINED THE 13 ARTIFACTS IN THE DEP BOX LIST FOR THEIR OWN USE AND AND AT PRESENT CONTINUE TO HOLD THE 13 ITEMS IN THEIR POSSESSION. I AM ENTITLED TO HAVE POSSESSION OF ALL ITEMS IN THE CRACKED OPEN DEP BOX. IT IS THEREFORE REQUESTED THAT COMPASS SEND ME IMMEDIATELY BY CERTIFIED MAIL THE THIRTEEN ARTIFACTS LISTED IN THE DEP BOX INVENTORY WITH A NOTARIZED STATEMENT THAT THE MATERIAL THAT THEY ARE PROVIDING IS ALL THE MATERIAL RECEIVED FROM THE CRACKED OPEN DEPOSIT BOX XXXX.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TN)

Beginning in XXXX, I got involved in a scam on my Discover Card, which had a {$12000.00} credit limit. I didn't know that it was a scam in the beginning. I got 2 or 3 cash advances - all within the limits of the card - over a period of time. I did the cash advances - the person I was helping financially did NOT have access to my card or card number ; however at some point, he was able to hack in to my account or do a card takeover. He made a payment on my account and then before the payment could clear, he recalled it. This happened twice AFTER I got the cash advance. Needless to say, this put my card way over the {$12000.00} limit. I ended up owing {$30000.00} ( +- ) on the card instead of the initial {$10000.00}. When I contacted Discover to say, " hey, I didn't do this and why did you allow this to go over my credit limit! '' they insisted that I had participated in the scam and are holding me responsible for making payments. 

In XXXX, out of desperation to not further damage my credit, I asked if they could help me. The lady I spoke with was very nice and also didn't understand why I was having to pay for this scam. She set up a hardship program for me where I now pay {$530.00} a month for 5 years on this debt - debt that I did not create and isn't mine to pay. They are continuing to victimize me by holding me responsible. I sent them a Certified letter a few months ago - return receipt requested - and repeatedly called them. They have failed to do anything that is beneficial to me. I even asked them to restore my card back to the credit limit of {$12000.00} and let me pay that even though that's more than I originally owed on it and write off the remainder of the charges to fraud since I didn't create this mess. They have refused repeatedly. 

This has created a very big hardship on my family. My husband is retired, income is set, and I can not continue to pay this debt for 5 years ... I had to take on a second job to be able to do this and at XXXX years old, I can not do it long term. Its ridiculous that I should have to pay for someone else 's evil doings. I repeat, I DID NOT give anyone my card number ... all I did was try to assist someone who said they needed financial help. Admittedly I was too quick to trust, but I should not be responsible for the evil doings. It appears that this person did a credit card takeover! I would appreciate any help that you could give me.
Consumer complaint received 2021-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

Hi XXXX XXXX / ACA of XXXX ; I just got out of strange phone calls with representatives of XXXX XXXX XXXX # XXXX ) and ACA of XXXX XXXX XXXX ) and Im shocked, surprised, and honestly stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Plus, isn't this HIPPA violations for sharing my personal medical information with so many different third-party company? WHy? Plus why is there late payments shown on the payment history for a collection account? Isn't a collection account by default late and past due? 

Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record 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 the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Americor Funding, LLC (CA)

I paid one year of fees with Debt Settlement company, Americor Financial ( Americor.com and XXXX XXXX XXXX ). After one year, my credit is destroyed and I feel like I have been mislead on that detail. However, I called on XX/XX/XXXX at about XXXX XXXX. and spoke with a gentlemen named XXXX at their other number XXXX XXXX XXXX. I told him I had researched it and that I was legally entitled to any unearned fees at that point. XXXX told me that I had about {$1000.00} dollars that would be refunded to me within a few days after I spoke to their other customer service number ( the XXXX XXXX XXXX number ). I called them back on this past Monday, XX/XX/XXXX of XXXX and spoke to a woman named XXXX who told me I was not going to get the unearned fees regardless. I called again and spoke to a woman named XXXX XXXX at XXXX XXXX. She said also that I would not get any money back, regardless of who I complained to. I know they owe me At Least {$1000.00} dollars and perhaps more. Overall, I think they could do with some governmental oversight as to their lying about credit repair and such. I don't have any receipts at this time, but if needed, I can obtain bank documents that show they have been taking my money for some time over a year.
Consumer complaint received 2021-01-22
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-11-18
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: Gravamen Asset Management Group LLC (CA)

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

XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 168c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MO)

I am 19 years : and applied for a XXXX XXXX and was denied credit on XX/XX/2021. I spoke to an operator named XXXX operator Id number XXXX. I gave my father permission to speak to XXXX who explained that I am a full time college student and works part time at XXXX XXXX. I would like to know how someone can build credit if I keep getting denied. They said they based there decision on too few accounts, average length of time, and lists of comparable lines of credit lines. He called back and spoke to XXXX who refused to provide her last name or her company ID number. He then called the corporate and spoke to a Selene at extension XXXX and was provided a case number XXXX. He advised the they are violating the Equal Opportunity Credit Act.