davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I was going through a divorce and I believe this account was opened by them. I had become aware of this account in 2018 at which time I had become aware it was closed and charged off. At that time, I disputed the charges and the validity of the account. Recently, while trying to purchase a vehicle I became aware that I had an opened late pay debt which was surprising to me as I had no contact from anyone. After further research I discovered LVNV LLC had reopened this closed charged off debt that was previously disputed as not being mine. Mind you, there has been no contact from them. I immediately sent them a certified letter requesting documentation asking to supply the information below so that I can be fully informed about the alleged debt pursuant to the Fair Debt Collection Practices Act : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. 
The name and address of the original creditor and any other names used.

A copy of the original contract or other agreement.

Evidence that I was the one who opened said account and it was not opened fraudulently.

The name of any other person that is or was required to pay the alleged debt.

The amount and age of the debt, including : Proof I owe the debt. 
Provide a copy of the last billing statement sent to me by the original creditor. 
State the amount of the alleged debt when you obtained it. 
State the date when you obtained the alleged debt. 
Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. 

Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. 
Provide an itemization showing any payments since the last billing statement from the original creditor. 
State when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
A calculation of whether the statute of limitations has expired for collecting the debt. 
( Virginia Statute Code : 8.01-246 ). 
The last action taken of the action. 

Details about your authority to collect this debt, including : Proof of your ownership of the account. 
Provide the number of any license to collect debt in Virginia and the name of the issuing agency. 
Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023 I received a receipt from Venmo for a payment to XXXX for {$96.00}. I did not make this payment ( and couldnt, Im actually traveling in XXXX ) so I filed a dispute. They denied my dispute, saying it was consistent with my transaction history despite not using Venmo to pay for XXXX for over a year and never for more than ~ {$30.00}. They provided no details despite my repeated requests. I filed a second dispute and they denied it again, for the same reason. I have been unable to get anyone to share their methods for denying this dispute, whether or not they contacted the vendor, etc.
Consumer complaint received 2023-08-29
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. (IL)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my XXXX XXXX and Transunion credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXXXXXX XXXX XXXX XXXX  : XXXX Your company is in clear violation of the law XXXX15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to report this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (VA)

I did not give written permission to have these accounts furnished on my credit report. This is a validation of the credit law 15 USC 1681a2. I demand these hard inquires be removed off my credit report.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

i contacted the company equifax stated to them i notice some inquiries on my report i did not authorize. They came back in less than 24 hours and stated >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE SER Page XXXX of XXXX XXXX ( Continued On Next Page ) XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX  MR EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXXXXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE XXXXXXXX XXXX XXXX XXXX if i am telling them I did not give these companies permission to check my report for the purposes stated then who gave them access to my report without my knowledge? How are the factual data and will remain if they are on my report without permission? These credit reporting agencies are getting out of hand with them continuing to allow things knowingly and will not delete them. They have laws to abide by and they refused on countless occasion in my cases do this to often. The USC codes are there to protect the consumer ( me ) from unauthorized accounts, inquiries etc. and once disputed the credit reporting agency is supposed to investigate the claims not use a auto response system to reply, nothing can be investigated following the laws and properly in less than 24 hours. Stop giving these reporting agencies the right to disregard the laws they are upheld to uphold and start making them actually do what they are supposed to.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I was a resident of XXXX XXXX XXXX managed by XXXX XXXX, after losing income I decided to turn in my unit as I was no longer able to keep up instead of being evicted. Not only did XXXX accept my move out request and I agreed to be responsible for lease termination and month of XXXX rent that was not paid. At end of day on XX/XX/XXXX I fully vacated my unit and took pictures to support taking everything out my unit and left how I received the unit. There was additional fees added on and no real explanation, there was a charge particular for furniture removal which was false because I left unit clear. The company did provide a report that was date and time stamped showing that my unit was accessed without my consent or knowledge by maintenance staff for said pictures provided. I did provide UDR and GENESIS with this information as well alongside support photos to XXXX, GENESIS denied to accept said pictures and it was denied being reviewed due to me telling the collection rep that I do not have the ability to pay the balance in full at this very moment. I did ask for a payment arrangement in which I have emails from company directly offering a inhouse payment plan then the next week it was placed in collections. The door locks are electronic and should be time stamped and each and every entry, When asked to provide this information, I was again denied access and DEMANDED to pay balance in full before threating that if I do not pay he will have acct placed on my credit. They also do not have my legal name correctly but from the reviews I see this is there common practice for XXXX.
Consumer complaint received 2023-08-29
Product: Credit 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 (FL)

Credit Card was lost XX/XX/2023 new card was ordered and never received by me. All the transactions from XX/XX/XXXX forward were unauthorized fraudulent transactions that were not made by me. I have spoken to discover and the merchants. No resolution can be provided and I am being held responsible for transactions I did not authorize or make. There are transfer balances from XXXX and XXXX they show up as transfer balance that were also unauthorized and fraudulent transactions. I spoke to XXXX and credits were supposed to be given but they were not. XXXX was contacted per them it shows as the order was placed with my address and information however nothing arrived to my home. All these transactions and transfer balances are unauthorized and fraudulent and discover can not offer me a resolution.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I have been trying to resolve this issue with affirm for so long. I noticed the delinquent account when I was viewing my credit and saw that it was from a company that I did not recognize. I then reached out to them and was told that the back office ( people I was not allowed to directly speak with ) would resolve the issue. I continuously called and was told the same thing. I requested information from them and all they told me was the name of the store where the purchases were made. Also on the original account was an address I have never been associated with either.The purchases came from a store that I have never even shopped at. I tried to resolve the issue with them numerous times and they have never resolved the issue. Then I get served by Jefferson Capital to appear in court. They had given it to a debt collections after I had already explained everything to them. I reached out to Jefferson and explained my situation so they sent me to this website. This account/purchases/loan or whatever it is is not mine. I have had my purse stolen in the past which had my CA ID, passport, wallet, and cellphone in it. I'm not sure if this is how someone opened an account or credit card/loan in my name but I would like to get this resolved as soon as I can. Thank you.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 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 THE ACCOUNT I HAVE LISETD ABOVE 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 2023-08-29
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. (GA)

I HAVE SEVERAL INQUIRIES LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. I REACHED OUT TO THE FOLLOWING COMPANIES WHO SUBMITTED THESE HARD INQUIRIES AND RECEIVED NO RESPONSE WITHIN 60 DAYS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (CO)

On XX/XX/XXXX, I, XXXX XXXX, submitted forms via email and physical mail requesting our PMI be removed by the mortgage company on account of having the required amount of equity to remove the PMI. The mortgage company replied by demanding they assess the property value with an XXXX of THEIR choice. While researching the legality of this, they sent a second letter denying our request, roughly in line with the same time that our property taxes increased to an impossible amount and XXXX XXXX assessor deemed our property had increased by over 68 %. We purchased the home for {$260000.00} with a {$20000.00} down payment in XXXX and currently owe XXXX but the assessor deemed the property {$380000.00} this year. It was especially disheartening to get the rejection contesting my property taxes the same day as the mortgage company denied removing PMI, and now I'm faced with being forced to sell my house because my expenses so drastically exceed my income. I have XXXX children and my wife works in XXXX, but due to inflation, our mortgage company committing PMI fraud against us, and XXXX XXXX assessor ballooning our taxes, I have to take my family and go rent. This is the American dream?
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (AR)

On XX/XX/2016 I did an ATM withdrawal for XXXX.The terminal I used in XXXX AR charged XXXX.That would be a total of XXXX.I did no more withdrawals after that.The same night I called Barclay to report to close the card because an establishment in which I had visited did not secure cards properly.However I have the card in my possession. 
After this one XXXX, I have been receiving charges of XXXX continuously on my statements.My statement for XX/XX/XXXX/XX/XX/XXXX had XXXX ATM CASH ADVANCES of XXXX and CASH ADVANCE FEES.There was also Interest fees on the Continual Incorrect Charges.This made my payment XXXX for the month.I had called customer service Overseas and she told me to just pay the amount stated, next month would be correct amt.MY payments normally do n't run over XXXX per month.For my balance i normally carry payments do not run over XXXX.I would have been charged late fees had I not paid that incorrect payment and then there would have been a bigger problem. 
So, I looked online on XXXX/XXXX/2016 and there were more of these incorrect charges.What I saw was a XXXX ATM Cash Advance for the entire month of XXXX the Cash advance fee for each day as well.Totaling XXXX.Plus the Cash front End Fees totaling XXXX.Not to mention the entire page of ATM Cash Advance Charges.Some had minus signs meaning Reversed. The Customer Relations Person had to attempt to go thru and add up all the repeated charges which had become a total frustrated situation for a Barclay cardmember. Again, I have the closed card in my possession so I know its not Fraud, This is BARCLAY Cards error.If I pay this bill my payment would be XXXX and some cents. 
I need this chaos corrected, IMMEDIATELY.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I went to the denist on XX/XX/XXXX and charged XXXX to my care credit. I have had this card for a couple years. I guess it was a promotional purchase and I had XXXX  years to pay off. I did not know that. On XX/XX/XXXX I made my payment and I don't see anything. On XXXX payment comes around I notice an interest charge for XXXX. 
I called and they said I owed XXXX on my promotional purchase and I was XXXX day out of the grace period. I was charged XXXX percent interest on the XXXX each year. 
The representative went on to tell me I have to call and tell them to add my money on what promotional purchase I have. I was not aware I even had promotional purchase. I thought it was all standard. Why does care credit have autopay, online pay, and automated system to pay if you have to call and tell them where your payment should go.. I never got any email stating I have XXXX dollars to pay by XX/XX/XXXX or I would have to pay XXXX dollars. I feel taken advantage of! I thought the promotional purchases were just when I opened the card up
Consumer complaint received 2015-04-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

I had a {$600.00} withdraw taken from my husbands checking account that I am joint on. He has worked hard and overtime for his money for months. They claim there is a checking and savings charged off from 2008. I have no clue what this is from. Plus over {$1000.00} is from fees and charges. What on earth kind of bank would let an account accumulated over {$1000.00} in fees and charges. This is downright nuts. They will not provide me any proof of this information and how on earth can a savings get a negative balance? I want immediate action to have this money put back in the account. My name is XXXX XXXX XXXX