davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (MN)

There has been fraudulent activity with my social security number. Equifax should be the first to recognize this. There are inquiries that have been disputed and they remain. They are clearly fraudulent and need to be removed. Please help me with this matter.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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 (NM)

Dear PayPal Support Team, I hope this email finds you well. My name is XXXX XXXX, and I am writing in response to the recent permanent limitation placed on my PayPal account associated with the email address XXXX. 

I have always adhered strictly to the guidelines and regulations set by PayPal, and I believe that the action taken on my account might be the result of a misunderstanding or an error. Therefore, I am writing to formally request that this decision be reconsidered and my case be re-investigated. 

In the many years of utilizing your platform for my business transactions, I have always made a conscious effort to comply with the policies and terms of service as stipulated by PayPal. I am uncertain as to the specific reason why such a drastic measure was taken against my account. If possible, I would appreciate a comprehensive explanation of the particular policy or guideline that was purportedly violated, as I remain convinced that I have conducted my activities within the bounds of PayPal 's policy framework. 

In the spirit of fairness and mutual understanding, I humbly request that the recent decision to limit my account be re-evaluated. I am willing to cooperate fully with any investigations, provide further information, and take any corrective measures if required. I believe in the integrity of PayPal 's services and its commitment to providing a fair and reliable financial platform to its users, and I am confident that this unfortunate situation can be satisfactorily resolved. 

I would be truly grateful if my appeal could be forwarded to the appropriate department for a thorough review. If there is any documentation or other information needed from my end to facilitate this process, please do not hesitate to ask. My primary goal is to rectify this situation and continue using PayPal 's services, as they have been instrumental to my personal and professional transactions over the years. 

I am looking forward to your favorable response and I am hopeful that we can restore the trust and reliability that have defined our relationship up until now. 

Thank you very much for your understanding and your prompt attention to this matter. 

Best Regards, [ XXXX XXXX ]
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

discover bank has committed friad by opeing a credit card that they refuse to take off my credit report, i have sent valid information including documentation showimg im a victim of identity theft i do have an attorney hired to sue discover bank, their representative has failed to properly take care of this situation, i have informed her of my situation, ignored, i am a Victim of identity theft i am now in a legal process because of her actions her name is XXXX for customer advocacy and wouldnt even return my calls, i will use this information amd give this attorney if mot resolved by discover bank, they have used my information ot establish this account with out my permission i gave an amount XXXX to settle for damages and have this removed i will send the cooy of the agreement i signed so discover bank can and will tkae me serious, discover bank has open this fraudulent account and has forged my signature on this account, i will sue discover bank for negligence and for compromising my information and using my information fraudulently and take my complaint seriously and do not ignore this statement of facts, your rep has for this to the point of being rude and unprofessional now I have a settlement amount and my request now please honor this complaint and my reason I did not open this accident
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX . XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number XXXX then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX i also included my info for awareness
Consumer complaint received 2023-07-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

To whom it may concern, I wish to report an incident that occurred between me and Ally Bank on XX/XX/2022. I was sent a payment of {$370.00} through the XXXX XXXX, to my bank account at Ally Bank. This was an amount owed to me by someone that I know, who reimbursed me for a service provided, which I have a receipt for as proof. A few weeks after the payment was made, the person who made the payment contacted their financial institution, which is XXXX XXXX XXXX, with a claim that they sent the funds to the wrong person, and challenged the payment demanded back the funds. Per the terms and conditions of XXXX, XXXX transfers are irreversible, and not refunded if both people are verified members of the XXXX network. 

I checked my account one day, and noticed that the balance was not correct, and called Ally Bank to find out why there was a discrepancy. They informed me that they sent the money back to XXXX Bank as an ACH Debit without informing me, and regardless of the fact that they had no legal right to return the funds. They also advised that it would not be possible to dispute the transaction. I spoke to Ally Bank numerous times and told them I have the proof that the payment was valid, and that she sent she funds to the correct person. Allys response was to either hang up, or refuse to deal with the matter, regardless that they knew that they had no right according to XXXX terms and conditions to return the funds ( which is why they did it as an ACH Debit ). 

Ally Banks attitude and illegal policy based on made up rules shows they have no concern about the law, policy and have no regard for their own customers. Their attitude toward their own clients is reprehensible, and they are in violation of the Federal Bank Act. The FTC will also be informed of their violations and be asked to review any other complaints to see how many times Ally has done this in the past, and ask that the FTC start criminal action against this bank. I want that this complaint to go public, so that in the future they will never do this to any of their customers again.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (FL)

To whom this may Concern, My name is XXXX XXXX. I have a XXXX Account. I live in XXXX, Fl. Last XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl Let Someone Authorize a transaction on my account without my permission. I also have a voice recorded message from Customer Service Representative That called me that day I was at work, I told them that XXXX has my consent to pay the bill. I XXXX, do not give him consent to charge anything on my account. I have three Phones on my account. my original bill every month were {$130.00}. The employee that works in that store let a man I have a phone line on my account authorize an XXXXXXXX XXXX XXXX XXXX and case, and XXXX phone case on my account. His Name is XXXX XXXXXXXX XXXX let him purchases these items on his debit card. Now that brought my phone bill up to {$250.00} plus tax. XXXX refuse to pay XXXX  bill because he went up to the store and tried to talk to them about the XXXX he put on my account and the two phones on my account, the bill that was due in XXXX that they over charge the account. XXXX XXXX refuses to pay it. t mobile has his social security number and birthdate and debit card number on my account from his purchase. I am the one that have to pay this account. Now i do not have a phone line and can't do my business needs. I had to get a government phone to use. i am disputing the charged against this store and XXXX company. i am very disappointed. I never had this problem before. These representatives supposed to protect customer 's accounts and rights from other people. it seems like they always want to make a dollar, they always trying to get you do buy their product instead of helping you. The person that is held responsible for paying this account is XXXX XXXX. I will try to send an email to dispute this, I am not good in sending an email. Please note I am disputing these charges.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I sent two transactions of {$400.00} to a vendor on XXXX and did not receive my products. The person I sent the money to blocked me on all communication and took my money with no return of the items being purchased. I would like a refund of the {$800.00} and to be protected by my bank.
Consumer complaint received 2024-10-16
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. (MD)

On XXXX XXXX  I disputed this account through XXXX XXXX stating this account is not mine and I never received any loan. I also double checked my FAFSA to make sure. I received no letter letting me know how they conducted their investigation and when I checked my results through credit karma it states they verified it is mine and will not remove it.

This account is not mine and I refuse to pay a debt that is not mine according to 15 USC 1692
Consumer complaint received 2023-07-04
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. (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 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 2023-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

Recently, I applied for a loan through my financial institution and was informed of a credit delinquency that would lead to rejection. Initially, I didn't pay much attention to it, but upon conducting my own investigation, I accessed my credit report from all three bureaus. To my dismay, I discovered numerous discrepancies that were not associated with me and were never authorized by me. I decided to contact the entities responsible for these discrepancies, only to find that the accounts had already been closed. However, they were still negatively impacting my credit report.Realizing the severity of the situation, I promptly researched the proper steps to address this case of identity theft. I learned that I should report the incident to the Federal Trade Commission ( FTC ) and file a police report in my local county. Taking this advice to heart, I proceeded to report the incident to the FTC and initiate the necessary steps to file a detailed police report, documenting the incident that had occurred within my jurisdiction. 

The fraudulent accounts follow : Citicards XXXX. XXXX XXXX XXXX I am willing to prosecute.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I sent a debt validation letter to LVNV Funding LLC over 30 days ago and have not received a response. It has come to my attention that the collection agency associated with this account, LVNV Funding LLC, is not licensed to operate in the state of Texas. 

As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the Texas Finance Code, specifically Chapter 392. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas. 

The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (OR)

I initiated a balance transfer from my wife 's Discover card to a new XXXX card. On XX/XX/XXXX XXXX posted the balance on my new card and discover posted the balance transfer fee on the my wife 's old discover account. 

The balance of my wife 's Discover card was not transferred to the new XXXX card, effectively doubling the amount of debt. We called Discover to sort out the issue and they insisted they had no record of the balance transfer between cards and there was nothing they could do to help us. This is galling given that there is a balance transfer fee line item on my Discover card statement, effectively showing me that XXXX billed Discover for the balance transfer fee of 3 %, but the representative could not read that item to understand the context of the issue. 

In both cases the service representative was unable to comprehend the issue and had no ideas related to solutions or even next steps to find a solution. 

The lack of real customer support systems and proper technology infrastructure to ensure compliance with federal consumer financial regulations seems to be a systemic problem for Discover.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a son who is currently XXXX  years of age. I was divorced in AZ and finished paying child support XXXX  years ago. It was actually never in collections. My ex-wife opened a case in NY because NY law states that a father can pay child support until a child is XXXX, so the court put a temporary judgment against me until a hearing. My divorce decree was upheld and the case was dismissed. 

I have given backup documentation to all XXXX credit bureaus and it remains on my credit reports. They have not taken it off my reports. It is hurting my credit and thus my family.
Consumer complaint received 2023-07-04
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: Open Dealer Exchange, LLC (CA)

In Accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-10-16
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. (MD)

I've sent each copy of inaccurate information reported to Equifax, XXXX and XXXX regarding XXXX XXXX XXXX monthly late reporting. Each agency is reporting different information from XXXX XXXX XXXX. I've asked for this information to be deleted from my report due to inaccurate reporting.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital One 360 Checking account allows unauthorized holds to place duplicate debits on my account. On XX/XX/23 XXXX transactions with XXXX now appear as duplicate pending authorization holds while transactions have posted and cleared already. There is no need to place a duplicate debit on the account on the following day and for several day after transactions have already completed.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

During a recent pre-employment background check from HSBC XXXX, I've reported inaccurate/false statements related to " public record '' section of my credit history many times, and also reported fraudulent/suspicious activities from fake court/government information sources. 

However, I received " Can't Proceed '' email from HSBC stating my job offer was cancelled without further explanations. 

My HSBC job offer and its subsequent pre-employment screening messages were sent from email sender, XXXX ( ip : XXXX ). 

On XXXX. XXXX, 2023, I received offer letter titled " Your Offer of Employment for Lead Consultant Specialist at HSBC XXXX '' careers.hsbc.com, and I accepted the job offer on the same day. 

On XXXX 2023, I received email sent from careers.hsbc.com, titled " Introduction to your onboarding with HSBC XXXX stating that " Our background checking team will start your vetting '' attaching forms requesting for my personal information such as social security number and address etc. 

On XXXX XXXX, based on phone call I received from an HSBC person describing my credit report, I formally requested HSBC to correct my credit report with my FRAUD Report email stating " Fake Court/Government Information Scams of such nature on at least 10 corrections on serious FALSE accusations. '' On XXXX XXXX, I requested HSBC to fulfill hiring terms and conditions mutually agreed upon, but observed no action to this date.