davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (DC)

I am requesting the removal of a specific inquiry from my credit report related to my account with Continental Finance/XXXX I found an inquiry dated XXXX XXXXXXXX XXXXXXXX, that I believe is unauthorized. I did not consent to this inquiry, and it does not accurately reflect my credit activity. 

**Inquiry Details : ** - **Inquiry Date : ** XX/XX/year> - **Business Type : ** Bank Credit Cards - **Contact Information : ** - **Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX - XXXXPhone Number : ** ( XXXX ) XXXX Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), I have the right to dispute any inaccurate information on my credit report. I request that Continental Finance/XXXX take immediate action to investigate this inquiry and remove it from my credit report. 

**What would be a fair resolution to this issue? ** I request that the unauthorized inquiry be removed within **15 days**, and I would like written confirmation of this action sent to my address. Prompt resolution of this matter is crucial for accurately reflecting my credit history and improving my credit standing.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I have one Inquiry still showing on my credit report for QVC that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX was a settlement and should be removed from report XXXX, MI XXXX XXXX XXXX was a settlement and should have been removed from report open in XXXX. 
TARGET was a settlement and should been removed from report open in XXXX. 
XXXX XXXXXXXX XXXX was a settlement and should be removed from my report XXXX, oh XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (WI)

I was on a XXXX  and used my cashapp card on XX/XX/year>. XXXX holds were placed on my cashapp card one was released and the other has been pending since XX/XX/year>. The merchant has released my funds, but cashapp won't credit my account.
Consumer complaint received 2024-09-05
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. (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 2024-10-26
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 (TX)

I've been using PayPal as a payment processor for a long time. I appreciate PayPal because of the security and a lot of vendors use PayPal as a secure payment processor. PayPal refuses to allow me to use their service because I disputed a transaction.
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

Venmo is trying to hijack my money, I was using my account normally made a bunch of purchases just regular use. Had some issues with some fraud that happened onto my account and I did a dispute for it. Which I was able to win & get my money refunded. Continued to use my account normally and suddenly I got a email saying I was suspended please upload a picture of my id. Which I did, same id that I used to verify my account initially. But surprised to get a reply from venmo informing me I was permanently suspended and theyll be holding my money for 180 days. My hard earned money, just gone for 6 months? My bills are due on the first, and I need that money to get through that. Venmo is literally trying to ruin my life with that, I literally need this money to fund my life or else Ill be completely broke in time for the bills that are literally almost due. I want my money back venmo and I dont think this is fair to do this to someone who didnt do anything wrong on your platform. Dont be known as a fraudulent scamming company who ruins people lives. Give me money back.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MD)

Where to begin with this piece of XXXX company?! For starters, an automatic payment of {$200.00} was extracted from my XXXX XXXX Checking Account ( i.e. account # ending in XXXX ) on XXXX, and yet on XXXX when I realized that my available credit/and balance was not updated, I promptly called and was informed that my available balance/and credit would be updated on/or by XX/XX/year>. When I questioned why it would take XXXX business days to update my balance the representative stated that the delay was instituted because of a returned payment in XX/XX/year>. However, the bank did not inform me that this change was taking place, did not provide me/or share with me that this change was occurring in writing, nor did they provide a time frame associated with this significant change, so merely providing me with this rationale verbally is inappropriate, considering in the past ( i.e. XX/XX/year> ), my available credit/and balance was updated without any issues. After hearing this, I became extremely upset and requested to speak to a supervisor and upon speaking with him, he merely repeated the same thing that the previous representative had stated! XXXX!? Instituting changes without alerting your consumers is an abuse of power and shows that the bank has XXXX morals/or values relative to how changes impact their customers and their only goal is to punish individuals who have had a returned payment! INSTITUTING SIGNIFICANT CHANGES WITHOUT ALERTING CONSUMERS IS ILLEGAL! According to the ( FDIC ) Federal Deposit Insurance Corporation, " your insurer generally must provide a 45-day advance notice of any significant changes in account terms ''!. This did not happen and of course, there is no paper trail to support what I was told over the phone and yet, they didn't waste any time to extract a payment from my external account and apply it which reflects in the system, but REFUSES to update my balance/and available credit!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TX)

XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, sold away it's right to collect payment from me and service any account I had with them but they are still reporting an account on my consumer reports showing I still owe them money. This is fraud! Attached is proof my contracts/agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and eventually deposited and securitized within a XXXX. Therefore, XXXX XXXX does not have a legal right to collect payment from me nor have an account in my name unless it is an account representing an amount THEY OWE ME. This is extortion according to 18 USC 892 since my reputation was harmed and they attempted to steal the vehicle by which they no longer had a legal claim to. Also, with the attached proof, the XXXX  and tax office removed XXXX XXXX as a lienholder on the vehicle title, therefore, there should not be any existing amount owed to XXXX XXXX.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

wells fargo denied my claim of XXXX dollars for a coming out of my account theres been multiple charges a day and theyre telling me i made em i have no XXXX receipts or nothing thats shows that i made those transactions. i keep getting completely different responses from the bank and even my claim has transaction i didnt even report i dont feel like this is being handled correctly and would like some help to resolve it
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (MO)

XX/XX/year> at XXXX I received notification that {$350.00} was processed through XXXX  to a recipient named " XXXX '' I contacted XXXX and put in a dispute but was also told they can not guarantee my funds being given back. I called MoneyLion to put in a dispute and they told me I had to wait until it cleared on my end. A day later I called and they said I had to wait until it cleared on their end before a dispute could be filed after 7 day hold. They money is gone. I have XXXX access to it and neither company is attempting to help me get a resolution to this. They keep giving excuse after excuse and XXXX information on how to go about solving it.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

XXXX XXXX LVNV Funding LLC Attn : Customer Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Validation of Debt Account Number : XXXX Dear LVNV Funding LLC, This letter is a formal request for validation of the debt you claim I owe regarding an alleged account originally associated with XXXX  XXXX. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Validation Requirements To validate this alleged debt, I require the following documentation : Verification of the Debt : A detailed and itemized statement of the alleged debt, including the total amount claimed, interest, fees, and an explanation of how the balance was calculated.

Original Creditor Contract : A copy of the original contract or agreement between myself and XXXX XXXX, including my signature and terms of the original agreement. 

Bill of Sale/Assignment Agreement : A copy of the Bill of Sale or assignment agreement showing the transfer of this alleged debt from XXXX  XXXX to LVNV Funding LLC , confirming your legal right to collect this debt. 

Affidavit of Firsthand Knowledge : A notarized affidavit from a representative of LVNV Funding LLC, confirming that they have firsthand knowledge of the creation and status of this debt, including accurate details of the balance owed and its origination. 

Proof of Standing : Documentation demonstrating that LVNV Funding LLC has the legal standing to collect this debt and that all actions taken thus far are lawful and in compliance with applicable federal and state laws.

FCRA Compliance : Verification that any information you have reported to credit bureaus regarding this account is accurate, complete, and not misleading. If any of the information is incorrect, please rectify it and notify me of such corrections. 

Clean Hands Doctrine Please be advised that I reserve the right to assert the Clean Hands Doctrine in any future litigation regarding this matter. If it is determined that LVNV Funding LLC has engaged in unethical or fraudulent conduct related to this alleged debt, it may impact your ability to collect any purported amounts due. 

Next Steps Please provide the requested documentation within 30 days of receipt of this letter. Until such validation is received, I do not acknowledge this debt and expect all collection activities to cease. If you are unable to validate this debt within the specified time frame, I will consider the matter closed, and any negative reporting must be removed from my credit reports. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.
Consumer complaint received 2024-09-05
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. (NY)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX with a balance of {$2600.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 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 2024-09-05
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. (MI)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX : XX/XX/XXXXXXXX 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 XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Buckles & Buckles, P.L.C. (MI)

XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to address a matter concerning the alleged debt that Buckles and Buckles P.L.C claims I owe {$6800.00}. It has come to my attention that your firm is pursuing legal action against me regarding this debt. I would like to formally state that I have not received a debt validation letter from your office. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive written verification of any debt within five days of your initial communication with me. The absence of this validation letter constitutes a violation of the FDCPA and raises serious concerns about the legitimacy of your claims. I request that Buckles and Buckles P.L.C provide proper documentation validating the debt in question. Until I receive this information, I will consider this matter unresolved and urge you to cease any legal actions against me. 

I believe in the importance of fair and transparent communication, and I hope we can resolve this situation amicably. Please respond to this letter at your earliest convenience, providing the necessary validation for the alleged debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (MD)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-10-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CO)

I had an account takeover and lrotected all accounts even if nonactivity was fraudulent. I have been with ulta since XXXX and they are my fav company. I called ulta to geta card and they kept telling me someine would call to verify my info. No call both time. I tried again last month but was told i needed to semd my ss card dl copy front and back to bread financial. I was really hesitante since i had id theft but ask a XXXX at an actual ulta store and they said that was normal. Aince it was the only was to get the card i did it via email XX/XX/XXXX. I was also supposed to get a letter vut never did. When i openes my mail yesterday there was a letter saying they closed my account so i called. 
The lady seemed like a acammer not ulta but idk. She qas unterested in a police report i filed and could not give me dates and info of when and why i had called. She said maybe i called XX/XX/XXXX or XXXX. I asked XXXX diffrent reps why i was closed and they said maybe they couldnt verify my info they think but said i couldnt knnow my own info. How can i not know my oqn info and why close my account when i send my document. I am now conxerned at who i was talking to and sho has my personal document. I am so upset because can not get another card and there was no reason to ckose my account when i did what they asked. I spoke to XXXX in the ulta commenity XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My vehicle was parked and someone stole my phone from the front seat charging device as the window was down. Once returning to my car the phone was on the ground and I check the email and saw the emails from chase about the activity. Someone had use my XXXX XXXX to withdraw money and linked unknown card to send money. I have filed police reports