davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

First of all I want to say that i'm not an XXXX native speaker so I'll try my best to tell the story. 

I'm having trouble with PayPal because this payment XXXX is withholding my money claiming that I'm dangerous but they don't tell me the reason why they are accusing me or what is so suspicious about my account. 

Everything started because a u.s. citizen came to XXXX to get a tattoo on his back. The service was offered and he was satisfied. He even contacted PayPal customer service in the United States to inquire about the payment he sent because I wasn't able to withdraw the money. He made it clear that everything was fine with the transactions, but in the end, he received a negative response, he could do anything about it, even though he still owed for the service he enjoyed. This man paid every session through different transactions. 

I was able to withdraw the money from the first transactions ( XXXX XXXX in total for the month of XXXX ) but after a chat that I had with a customer assistant about a complaint regarding the time that I had to wait to actually receive my money, she suggested that traveling abroad to get a tattoo was not possible. Coincidentally, after that conversation, my account was canceled, and the funds from the subsequent transactions were withheld. 

I began a process with them trying to clear up the confusion. They asked me to send my personal information such as my passport, identity card and my services account in order to release my money and activate my account. However, despite all my efforts, they continued to accuse me of not adhering to their conditions without specifying which of the numerous ones ( I checked the list and I didn't make any mistakes ) and they didnt explain why, even though Ive been a flawless client for over two years. 

I had long conversations with them, but nothing worked. In the end, I can't even access the chat again ; they say that if I want to talk to them again I have to send a letter. 

The big problem here is that I am suffering very harmful consequences, and I do not even know why. I can't use my PayPal account from now on ( which I need for my XXXX XXXX ), they'll keep my financial information and the worst part is that I have to wait 180 days to get my money back ( XXXX USD as it is still on the PayPal app ) and if the BELIEVE there was a damage ( I want to emphasize this, because that's how they have done everything until now and that makes me worry about what they will do next ) they say they can keep the money and I can do anything about it because there is no institution in XXXX that monitors their activities. 

I think it's necessary to examine the punitive measures that this company applies without any investigation or due process ontheirclients, as well as the " policies '' that prevent clients from obtaining all the information they need.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank provides varying information between the contact center and branch regarding closing an account. 
1. Contact center states account closed within 3 business days, after request is sent to the back office for processing but the branch can close account sooner.

2. Branch states account can not be closed sooner due to varies/conflicting information ( i.e. pending account activity ) Branch Manager XXXX XXXX ( TD Bank, XXXX XXXX XXXX, XXXX, MA ) was abrupt and defensive when questioned about inconsistencies in procedures for closing the account. See attached letter for details.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX I am writing to dispute the following information that appears on my Credit report XXXX XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$800.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information.
Consumer complaint received 2022-10-04
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. (VA)

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 Account number XXXX, XXXX XXXX Account number XXXX has violated my rights. 
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 a account without my written instructions 15 U.S.C 1681c. ( 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2022-10-04
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. (VA)

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 Account number XXXX, XXXX XXXX Account number XXXX has violated my rights. 
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 a account without my written instructions 15 U.S.C 1681c. ( 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 2019-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NV)

On XX/XX/2019, I purchased a {$200.00} gift card from Vanilla Visa. It was stolen the same day. I contacted the company to file a claim and complied with their documentation requests. To date, I have received no response or updates to the filing. 

I called today for a status check and was basically told that the information that I filed with the m was " invalid ''. Why, I asked and was informed that it didn't have my name and address. While we were talking, I was looking at copies of the information that I submitted and seeing the very information that they were telling me was missing. It was suggested that I send it in again. If the information was " invalid '' wouldn't they just reject it again? Same answer. I asked for a manager - same answers. I asked for a corporate person and was given a phone number, XXXX XXXX XXXX. I called that number and was told that they didn't handle customer service issues ... I should call back to the previous contact. 

I obviously wasn't getting anywhere so I am taking this step because your office has been of great assistance in the past. Hopefully, you will be again. 

Thank you, XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have been disputing fraud accounts on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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. (FL)

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, has violated my rights. 

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 1681c. ( 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These accounts are being reported negatively and I do not recognize them, I need them to be removed from my report XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Incorrect
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-10-04
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 (PA)

I have timely disputed a {$38.00} credit card charge placed on my CapitalOne card ending in XXXX by XXXX XXXX, on XX/XX/2019. I purchased a {$38.00} worth of gas, but my card was charged twice. I filed a dispute with the credit card issuer, Capital One Bank. Capital One Bank sent me computer generated copies of the invoice. It appears that CapitalOne Bank has been invoiced twice for same purchase and then I was billed me twice for what was a single purchase, a billing error caused by a computer glitch. I repeatedly asked CapitalOne Bank to contact the merchant and obtain any documented evidence of my indebtedness, more specifically my singed receipt, purchase agreement or any tangible proof showing that I accepted any goods for services in excess of the original {$38.00} charge. CapitalOne Bank failed and refused to help me in obtaining documents from the merchant. What I have been receiving from the bank is identical letters requesting unspecified information to validate my dispute. All my attempts to contact the Bank to find out what specific information is need needed to validate the dispute were to no avail. I provided the company with the copy of my purchase receipt clearly showing a single charge as well as evidence of my contacting the merchant. 

The federal law, the Federal Truth in Lending Act ( Regulation Z ), requires creditor to either contact the merchant and request documented evidence for the underlined indebtedness or make the credit permanent. Capital One has done neither and is holding my {$38.00} resulted from double billing.
Consumer complaint received 2022-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Debt Recovery Solutions, LLC (IA)

I informed XXXX XXXX XXXX XXXX XXXX XXXX? ) that XXXX XXXX associates such as myself were furloughed for the duration of the Covid 19 pandemic. I sent a copy of the letter all XXXX XXXX associates had received informing them of this. This action was necessary because I was paying for merchandise by payroll deduction. This deduction was no longer available once the furloughs became effective. 

I simply did not have the funds to sustain an indefinite furlough subsistence. I inquired of SSA because I was XXXX and quickly learned that I was eligible for benefits and filed for Social Security Benefits effective XX/XX/2019. My sole income is Social Security -- I receive no other income. I live in HUD XXXX XXXX subsidized housing. There is no other income but Social Security Benefits. 

As I understand it, Social Security Benefits are exempted by law -- therefore, I am judgment proof.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Guglielmo and Associates (AZ)

This collection company is adding incorrect interest to my debt, per court order they are not allowed to. I have requested debt verification information more than once and did not receive a response. I have been making payments of $ 25 monthly since XX/XX/XXXX2022, I missed XX/XX/XXXX22 and XX/XX/XXXX22 payment due to XXXX. I called the company due to my bank account being garnished. There was no contract that I signed. They refused all offers I made to make payments. I have been out of work the entire time. This company is adding daily interest not annum interest, which caused my debt to increase substantially. I have requested verification or my payments and certified letters mailed white no response. I have been paying monthly under NO agreement with this company. They stated since I missed 2 payments they garnished my mothers bank account that I am on to pay her bills. She is elderly and XXXX. They used a portion of he social security check to pay on my balance.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-03
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. (VA)

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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I respectfully request your assistance in resolving an error on my TransUnion credit report. A loan appears under my name that I never obtained. Trans Union is attributing this delinquent loan to me and I would like it removed. I never took out this loan that Trans union claims I opened an account for on XX/XX/2022 which was closed on XX/XX/2022 for the amount of {$190.00} with an ending balance of {$280.00} for SALARIES AND EXPENSES. It is showing a partial account number of XXXX for an Individual Account. I never sought a loan, I never signed for a loan, I never agreed to a loan, I never agreed to repay a loan. I never opened or closed this supposed account. I have asked Trans Union to provide proof that I took this loan out. They have not provided the proof, yet they have not removed this erroneous information. How can I get them to remove this information that is not accurate? ( You can publish this. I do not think anyone will be able to identify me from this )
Consumer complaint received 2022-10-03
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-03
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.