davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (MO)

I deposited my check to my PayPal account on XX/XX/year>. After fees, the deposit amount was {$130.00}. I then transferred it to my bank account on XX/XX/year>. After fees, the transfer amount was {$120.00}. I accidentally transferred it to the wrong account. The account I transferred it to is one that I no longer have access to. I don't remember the card number or really any information pertaining to this particular card. All I wanted to do was have the money sent back to my Paypal account. When I spoke to PayPal to ask them if that can be done they told me I would have to contact the card issuer. I don't even know the card issuer because I don't know any of the information on this card. PayPal told me to call XXXX XXXX  Bank, because that is the card issuer. When I called them they said that without the full 16 digits of the card number there's nothing they can do to look my transaction up or help me. So I called PayPal back to try to get the full card number and they said that due to privacy issues they can not give me that information. The only information I can see is the last XXXX digits of the card, the expiration date, and the billing address. Evidently that is not enough information for Green Dot to look up the transaction. PayPal also emailed me on XX/XX/XXXX with a reference number and stated that I could give that to the bank and they would be able to look the transaction up but upon calling Green Dot they informed me that there's nothing they can do with that number. I have called customer service for both Green Dot and PayPal both on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XXXX.and several times each on every one of those days. I just want the money sent back to PayPal, but it seems nobody can help me. I've been dealing with this issue for going on 3 weeks now and I'm tired of being told by everyone I talk to that there's nothing they can do to help me and to call back later.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Chime Financial Inc (FL)

On XX/XX/year> someone fraudulently opened an account with Chime. They in turn conducted an inquiry withe the credit bureau and issued a visa debt card. I became aware the same day and called them the cancel everything that had to do with my name, social security, etc. They said they did but could not provide proof. On XX/XX/year>, I receive the card in the mail and called back. They said they account was closed ( again..no proof ). I requested that they reverse their inquiry with the credit bureau as it affects my credit score, and was advised by the bureau that it needed to be done. After much discussion, I was advised, it is not their policy to reverse inquiries and they refused to do it.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX XXXX XXXX And Credit Acceptance Corp I Have sent them a letter XX/XX/year>, and XXXX of XXXX  About showing proof of me authorizing payments with them. Still have not received a response.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

XX/XX/year>, XX/XX/year> I Disputed three times and i have called them they told me i would have to speak to the credit bureau to get this off my credit. The amount of {$9500.00}. They do not have the credit address or information on file to verify me as well.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

Discover financial continues to use deceptive practices in hopes to collect debts also damage my reputation and cause actual damages to my personal life on XX/XX/year>, I mailed Discover services a notice of intent to sue with the opportunity to cure stating overall the deceptive and unlawful practices they have continued to commit on me before I had felt previous disputes Through XXXX and XXXX and XXXX On previous dates where discover financial stated all the information was verified, but that wasn't the case because in my disputes, I clearly stated I never gave written consent and they never had permissible purpose discover financial also continues to report late payments on my credit where 15 USC 1681 a definitions and rules of construction states that a consumer report does not include transactions or experiences where they have impacted my credit multiple occasions for utilization which under the USC is not a factor of the consumer report also, under the law discover did not respond that puts them in default. Another violation Discover committed was the violation of 15 USC 1692F which states a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt without limiting the general applications of the foregoing. The following conduct is a violation of this section, using any language or symbols other than the collectors address on the envelope when communicating with the consumer by mail or by use of telephone except a debt collector may use his business name does not indicate that he is in the debt collection business Which Discover failed to do so sending me multiple attempts to collect debt Using unfair practices and not stating the debt collectors, true identity. This is my last attempts in hopes discover will remove all Information I never gave consent to report and that I opt out from Discover reporting on my consumer report also that Discover stop threatening me to close my account if I don't pay a debt.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Subject : Dispute of Reporting Inaccuracy by XXXX XXXX To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting by XXXX XXXXXXXX  that is adversely affecting my credit report. This account, associated with XXXX, was XXXX in bankruptcy on XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code, this account should not be reported after the discharge. 

Background In XXXX  I filed for bankruptcy due to financial hardship. The account with XXXX XXXX was included in my bankruptcy proceedings. Following the sale of the vehicle, XXXX XXXX provided me a check for the remaining balance after the sale, thereby satisfying the debt in full. Consequently, this account should have been marked as closed and XXXX. 

However, I have recently discovered that XXXX XXXX fraudulently re-reported this account as active on my credit report without my consent or prior notification. This action violates several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) : Under Section 609 ( a ) ( 1 ), I have the right to dispute inaccurate information. The failure to accurately report the status of this account is misleading and unlawful.

Bankruptcy Code : The reporting of debts that have been discharged in bankruptcy is prohibited. This negative reporting significantly impacts my creditworthiness and financial opportunities. 

Fair Debt Collection Practices Act ( FDCPA ) : If XXXX XXXX was attempting to collect on this debt after the bankruptcy discharge, it constitutes a violation of my rights as a consumer.
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RAS LaVrar, LLC (FL)

XXXX Default Judgment XXXX Default Judgment XXXX Default Judgment I was never notified of this attempt to collect and contacted the attorney listed to obtain proof of service or to vacate the judgement. I was not aware, nor was I residing in the state of XXXX  so I would not have had the opportunity to contest. I want these, they have disregarded my request for proof. 

Attorney : Ras Lavrar Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Toll-Free:XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Website : https : //www.raslavrar.com
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-10-01
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-10-01
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. (FL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-10-01
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. (DE)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks,
Consumer complaint received 2024-09-27
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

I have been a loyal customer of Truist Bank for over 35 years, with four active accounts at your XXXX, VA branch. I have always trusted Truist with my banking needs, but my recent experience at this branch was deeply disappointing and unacceptable. 

On XX/XX/year> at XXXX XXXX., I visited the branch located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX to exchange XXXX XXXXr bills for a XXXX XXXXl after using the ATM outside. When I approached an employee inside the bank to make this request, another employee standing nearby abruptly asked if I had an account with Truist. I informed them that I have four accounts. Despite this, they continued to ask for further identification, even though, they should not ask too many questions. 

At that point, I felt the line of questioning was excessive and unnecessary. Frustrated, I decided to retrieve my twenties and leave. However, I later returned to speak with the branch manager to express my concerns. Upon returning, I was told to sit down and wait, and when the manager arrived, his behavior was shockingly rude and unprofessional. Instead of addressing my concern, the manager loudly stated that if I didnt sit down, he would call the police. This aggressive and inappropriate response left me feeling humiliated and disrespected. 

I am incredibly disappointed with the lack of courtesy and professionalism displayed by the staff and manager at this branch. As a long-time customer, I expect to be treated with respect and dignity, not to be met with hostility or threats when addressing a simple concern. 

I urge you to address this situation promptly. I expect to receive an apology from the Branch Manager. I believe all customers, regardless of the nature of their visit, deserve to be treated with respect. If this issue is not resolved to my satisfaction, I will consider escalating my complaint further.
Consumer complaint received 2024-10-01
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. (NY)

My right to privacy is of utmost importance, and I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully responsible for upholding your duties with fairness, impartiality, and respect for the consumer 's right to privacy. I am invoking this right as specified by the law. Please ensure that all information in this matter is treated with the highest degree of fairness, impartiality, and respect for my privacy. Under 15 U.S. Code 1681b, regarding permissible purpose, I have never given this company authorization for any such purpose. They are in direct violation of this statute. I request that this account be removed from my report immediately as it is damaging my reputation, character, creditworthiness, standing, capacity, and more. Since it is your duty to protect my privacy, I need this issue resolved with urgency. XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 has violated my rights. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (FL)

In Response of the medical collection agency I have provided proof that I wrote concerning the account over a year ago not only is not mine but its been reported in the past as XXXX XXXX XXXX XXXX and Now today showing as XXXX XXXX XXXX trying recollect as a New DEBT collection. This again shows and expresses that this company has resold this Debt collection Claim to another collection agency to try to Recollect a debt and also Negatively Report to my consumer account after it once been removed.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

i was scammed out of XXXX dollars from a man posing on XXXX XXXX  selling a console. he sent proof of the XXXX working and him even saying he would package it. I sent him the money through cash app and the day to receive the package, the package did not show up. I contacted the merchant and he blocked me aswell as contacted cash app and they pretty much said XXXX you. i went to my bank and they also said XXXX me. i just want my money back.