davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (CA)

I opened a personal checking account with BMO bank since it was close to my office. I opened the account online ; therefore, I wasn't able to deposit any checks for a few weeks. on XX/XX/XXXX, I deposited a check from my XXXX XXXX business account for {$5000.00}. On XX/XX/2024, I tried to log on to my online account. After several failed attempts, I called them to see why I can't log in. I was told BMO closed my account due to my check being investigated, red flagged and suspicious. I asked for an explanation to how this is possible. This is my business account for a medical office that has been licensed and operating for years. They said they had no information to give me. I asked where the funds were- the {$5000.00} deposited and I was told they have been sent back to XXXX XXXX XXXX where I had my business account. When asked for XXXX, the representative said they had no managers and hung up the phone on me. After speaking to XXXX XXXX, they said they did not get the funds. Called BMO again, now I'm told funds are sent to unclaimed properties. I check on unclaimed properties and there aren't any funds anywhere to be found. BMO has stolen {$5000.00} of my money and closed my account for absolutely no reason but discrimination.
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX I used my Paypal account to send money to an individual who I thought was a friend for the purchase of a car. This transaction was linked to my checking account and right after I sent the money I realized it was a scam. ( The person hacked a friend 's facebook account including messenger to portray that she was selling a car ). I immediately called Paypal and my bank to report the scam and block the transaction. My bank was able to block the transaction however Paypal advanced the money to the scammer and is now claiming that I owe them the money ( {$1000.00} ). They are basing this on the fact that I utilized 'friends and family ' option which does not provide protection for fraud. However, I had immediately notified Paypal and on follow up conversations was told by a supervisor not to worry, that they would work it out with my bank. Furthermore, after Paypal could not gather the funds from my checking account, they attempted to use a debit card in the digital wallet from another account that I hold in conjunction with another individual without first asking or notifying me that this was the procedure. After numerous follow up calls I was told that there was nothing that could be done. The email address used by this scammer reflects the name of my friend, however the name that was used for the transaction was not consistent with this name, nor was the email address that was used by the party for their paypal account.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (IL)

We have been customers with Discover for 15 years paying all bills on time. 2 years ago or more we stopped using their card. We ended up with a charge on the card that we werent using and were not aware of this. I never received a statement showing me a balance or to my knowledge a phone call. The charge was {$120.00}. We received a letter in the mail from discover in XXXX, after not recovering anything from them I thought it was odd. I opened it to find out that there was a charge and past due fees that I think totaled about {$300.00} and that it had been sent to collections. When we called about it we were advised to settle on a balance and that if we paid that balance it would not show up on our credit report. In XXXX I tried to consign for a student loan for my son and that delinquency was on my reports. Therefore no loan given. When we called discover they said it is out of their hands its up to the credit people ( XXXX XXXX ). When we call XXXX XXXX they say its up to discover. We had been customers for 15 years with discover. We were never late on a payment. If I wouldve known there was a charge of XXXX I wouldve paid it but I didnt received anything saying I did. So I would like this off my credit report since we were advised to settle. If not I would like to pay the rest of what we owe and get it off our report.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

DEAR XXXX XXXX DC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ XXXX XXXX ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( XXXX ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Dear LVNV Funding LLC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

DEAR SYNCB/AT HOME XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XXXX reported a debt collection on my credit report due to an alleged account opened on XX/XX/year> under my name with XXXX XXXX XXXX  XXXX. The charge was {$150.00}. LVNV Funding LLV C/O Resurgent Capital Services a collection agency reported it as an unpaid debt. I contacted them to figure out where this account came from because I have been under contract with another electricity company for the last 5 years. They gathers all my information and said they needed my ssn in order to look up my account. I made the mistake of giving it to the agent who refused to give me his name and the next day I received a fraud alert of a data breach that exposed my ssn. I called XXXX XXXX XXXX  to figure out the account but they did not have any account with my name or address. This seems to be a scheme between XXXX XXXX Resurgent/XXXX.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MD)

On XXXX XXXX, 2025, I requested that my Venmo Account be deleted or canceled. They informed me that they can not delete my account without me providing a copy of a US government ID and a Selfie with the ID. 

All I'm trying to do is cancel my account and they are requesting private records and images. I am not comfortable with this and they do not have an alternative. They have allowed the account to be used without this unnecessary action, but are now requiring this burden when I want to cancel the account. 

I have attached the e-mail conversation with Venmo on this.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MA)

This relates to my previous complaint with Discover. I never received an email telling me the application was cancelled although it was promised for last XXXX. XXXX days ago I got an email telling me I had a message - but I had to log onto my account. I did not want an account ; and I cant log in as I dont have an account #. This is ridiculous
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

I filed a fraud/account takeover for numerous charges on my Paypal account . Minutes later ( without even speaking to me ) they automatically determined the charges were valid. I dispute this and they did not even conduct an investigation. I want the funds created back to me.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NJ)

Credit card applications were submitted on XX/XX/year> to XXXX XXXX, XXXX, and CITI Bank without my knowledge, and all applications were declined. I called each company individually to report the fraud, called the XXXX Credit Bureau, and placed a temporary fraud alert on my account. In order to complete my identity theft claim with the credit bureau, I was asked to submit a claim to the government, which brought me to this website.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

The company DISCOVERXXXX has obtained my consumer report on XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to DISCOVERXXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY (AZ)

I XXXX XXXX Open dispute with Wells Fargo XXXX XXXX XXXX XXXX XXXX for XXXX dollars for a bet on Celtics and mavericks I won but not according to XXXX XXXX so I ask Wellsfargo to dispute and recover my remaining balance on XXXX XXXX account for a total XXXX dollars This XXXX companies are ignoring my request to be fully be refunded for XXXX dollars
Consumer complaint received 2024-06-27
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. (WA)

I am contesting the information on my credit report that I believe is not correct. The information has not been proven to be true, correct, or verified. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. If you can not provide proof that the information is accurate, compliant or valid I demand that you update to paid on time and never late. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. The following item on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please update immediately. 

Under 15 USC 1666B- this is a billing error, it was always paid as agreed, and on time this is an error this account is in violation I also didnt receive a statement 21 days before the bill is due and this a billing error under 15 USC 1666b ( XXXX ) ( XXXX ) ACCOUNT - XXXX ACCOUNT # - XXXX
Consumer complaint received 2024-06-26
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)

I am writing to request the immediate removal of an account that has been incorrectly reported on my credit history. This is the third time I am compelled to contact Equifax to resolve this matter, which I find unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) .The account in question, reported by Equifax , contains incorrect information that negatively impacts my credit score. Below are the discrepancies identified : 1 ; Inaccuracy of Information : The account reports an outstanding balance that does not reflect reality.

2 ; Lack of Authorization for Publication : I have never explicitly authorized Equifax to publish this account on my credit report. This action is not only inappropriate but also illegal under FCRA regulations.

3 ; Continued Damage : The incorrect information has resulted in credit denials and has severely affected my financial situation. Despite previous attempts to correct it, the erroneous information remains on my report XXXX XXXX : XXXX : XXXX
Consumer complaint received 2024-06-26
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (MI)

Hello my name is XXXX XXXX XXXX and I have a mortgage with MR cooper loan mortgage and I have a forbidance for natural desaster and I called them on XX/XX/XXXX and XX/XX/2024 and I had asked them for a little more time and they have agreed on the phone and after I called them on XX/XX/2024 they tell me that I will be for foreclosure I have asked them to tell me my options if I bring the loan to date and the First Lady said as I dont have options. They have not gave me options when yesterday I made a payment that was accepted of XXXX and today XXXX of XXXX XXXX to bring the loan up to date and I did today with the amount I put the payment was taken again but MR cooper have not called me to give me the options since I am up to date with the amount I paid today. XX/XX/2024. I need MR cooper to please tell me my rights and to please stop any foreclosure since a person in their company have not explain and have agreed for me to pay in XXXX but I paid it today and the loan should be up to date. I am writing this so in case we go to court this is recorded as a proof that I am and did the right things as a woman and the company MR cooper should try to solve this issues with me in accordance and the right way following the rights as a woman. 
I kindly as the company to please communicate with me and do the right thing because I have paid the XXXX XXXX that was to bring the loan to update.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (WA)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account with OPPLOANS/XXXX. This debt is not mine. I have enclosed a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. 
I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that give an identity theft victim document related to an account if the victim asks. Please send me copies of all records relating to this account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with this account Records of phone number used to activate or access this account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done. Also do the following.

Stop collection proceedings against me Stop reporting false information about this account to credit reporting companies Provide me with the records I request Thank you for your cooperation