davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

A charge of XXXX from XXXX was charged to my USAA visa XX/XX/XXXX. I made a payment of {$100.00} on XX/XX/XXXX. This was to oay the XXXX and {$100.00} toward a balance transfer that is not currently accruing interest. I was charged interest om the XXXX for XXXX and XXXX. USAA denied my right to pay this interest bearimg charge, and claims that I was unable to pay this until the XXXX statement, when I spoke with them today, XX/XX/XXXX. I believe this is an unfair practice. I should be allowed to pay interest bearing purchases as soon as they are charged to my account.
Consumer complaint received 2023-11-03
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 (CA)

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe there may have been a mistake in this decision, and I kindly request your assistance in re-evaluating my case. 

I want to emphasize that, to the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. I have always used my PayPal account responsibly and in accordance with PayPal 's terms of service. Therefore, I am left perplexed and concerned by the permanent limitation imposed on my account. 

I kindly request that PayPal re-investigates my case thoroughly and transparently. It is of utmost importance to me to resolve this matter and, if possible, have my account reinstated. I understand the importance of upholding the security and integrity of the PayPal platform, and I am committed to cooperating fully to ensure that my account complies with all necessary regulations. 

I kindly ask for a prompt response and a review of my account to rectify any misunderstandings that may have led to this limitation. I believe in the fairness and professionalism of PayPal 's customer support, and I hope that we can resolve this matter amicably. 

Thank you for your attention to this appeal, and I look forward to a positive resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EGL US, LLC (PA)

This account was included in my bankruptcy and this company is reporting this account as active. This is against the law to still report as active. Please hold this company accountable. 
BMG MONEY INC- ACCOUNT NUMBER - XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

For over a month, I have not had access to kiafinance.com, or anything associated with it. This means statements, payments, etc. I was on pace to pay this loan off early, and it seems I have been locked out intentionally to prevent this, as customer service keeps claiming they submit support tickets, but that their IT does not communicate with me and I have not been contact by Kia Finance at all after these calls and claims. I am currently still locked out of my account and the date is XX/XX/2024. I have called Kia Finance customer service XXXX times, and the following results at the end of the calls : First call with issue - Wait a couple days and try to log on again ( I waited a week and still was locked out ) Second call with issue - Customer service " put in an IT ticket '' and told me I would not be contacted by IT and would need to follow up ( I followed up a week later and was still locked out and the new customer service rep could not find the ticket ) Third call with issue - Customer service " put in another ticket '' and again said I would not be contacted from IT and would not give us a single person of contact to follow up with our issue. 

The entire thing officially feels like a scam.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For the last few months I continue to try to access my free annual report but TransUnion online platform never works and constantly gives me errors. When I contact support they give me the run around.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates (IL)

XXXX XXXX : L.J. ROSS & ASSOCIATES Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX Phone Number : XXXX Amount Claimed Owed : {$110.00} I am writing a dispute towards an account that I have absolutely no knowledge of, but this account is showing up as a debt owed on my credit report. I Reported this Information to the Federal Trade Commission and I also filed an Affidavit in reference to this matter. Please be advised that the UNVERIFIED item remains on my credit report. I have yet to receive documentation from the original creditor to verify that the information listed is accurate, which is a requirement by LAW. Since I have yet to receive such validation or documentation from the original creditor, please delete the item as soon as possible.
Consumer complaint received 2024-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

JPMCB CARD SERVICES Flexible Spending Credit Card | Reported on XX/XX/year> Balance {$5700.00} Limit {$5200.00} Past due {$1300.00} Account utilization : 110 % | Limit exceeded This charge-off account is hurting your credit. Check to make sure that the account and the details are accurate. If they arent, you may be able to dispute the inaccuracies.
Consumer complaint received 2024-07-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (FL)

I am writing to formally lodge a complaint against Rent Debt Automated Collection for multiple violations of my consumer rights under federal law.

1. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** Rent Debt Automated Collection has failed to provide the required validation information for the debt they are attempting to collect. Despite my requests, they have not furnished the necessary details that would validate the debt, yet they have placed a collection on my consumer report.

2. **Denial of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : ** I have not been given a fair chance to dispute the account as mandated by law. Rent Debt Automated Collection has ignored my rights to dispute the debt and has proceeded with reporting the collection to consumer reporting agencies without giving me the opportunity to contest the validity of the debt.

3. **Use of False, Misleading, and Deceptive Means : ** Rent Debt Automated Collection is using false, misleading, and deceptive means in their collection practices. This behavior is a direct violation of my consumer rights and has caused undue stress and potential damage to my credit standing.

4. **Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) : ** The collection agency has no authority to furnish any account information to consumer reporting agencies without providing all legally required disclosures. By failing to adhere to these requirements, Rent Debt Automated Collection is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

I am also revoking all rights of Rent Debt Automated Collection communicating with me through email/texts/calls or any other forms of communication.

I request the CFPB to investigate these violations thoroughly and take appropriate actions against Rent Debt Automated Collection to rectify these breaches of federal law. This includes removal of the collection from my consumer report and ensuring that Rent Debt Automated Collection complies with all relevant consumer protection laws in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XXXX of XX/XX/year>, I found a XXXX market place add for a rare used book about XXXX. I've paid seller {$300.00} and expected him to ship it the same day. Later that day the seller started asking for more money before he will ship it. I asked to refund it and cancel the deal. They refused and kept insisting on sending more money. At that point I realized it was a scam- they likely never had the book and had no intention to ship anything. On XXXX of XXXX I contacted Venmo about it. They refused to assist with anything claiming it was personal transfer ( or something like that ). The seller 's Venmo account also disappeared right after I contacted Venmo ( which suggests they took an action against the seller, since seller still was trying to extract more money from me at that time ). 

At no point it was prominently mentioned on the screen of the app that transaction is non-reversible in case of the fraud. Venmo also clearly was aware it is fraud right away and could stop the transfer, since it was under XXXX hours between the transaction and the report. Yet they refuse to refund, assisting fraudster. If it would be clear upfront about risk of such transactions, I would never use Venmo in the first place.
Consumer complaint received 2024-07-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

On XX/XX/year> I received this email from XXXX XXXX, on behalf of XXXX XXXX Good Morning XXXX, Both my XXXX, XXXX XXXX ( XXXX ) along with Associate XXXX, XXXX XXXX ( XXXX ) are working on your situation with following resolutions : Will be submitting a refund Will be removing you from course as well as grade not impacting XXXX and then being registered for upcoming XXXX term. Regards, 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 If I am unavailable and you need immediate assistance, please call Toll-Free Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only did they not follow through on handling the financial error, but this account has been negatively impacting my account and credit report as a result of the incorrect and fraudulent information. XXXX XXXX  attempted to get me to repeat and charge me for a course that I had already completed and now is still trying to collect on my for a course I was never supposed to be in. This is why XXXX and XXXX promised to fix it but never did. This MUST be removed from my credit report immediately.
Consumer complaint received 2024-07-02
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. (DC)

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX  Employer - XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (MP)

The Xoom money transfer used to be processed within the day after a transaction is finalized. I had been doing money transfer using my XXXX XXXX XXXX ( XXXX ) debit card and send money to my bank account in the XXXX, but when I made a transaction on XX/XX/2021 it was accepted just like my past normal transactions and I was expecting that it will be processed after a day or two. But turned out that until now XX/XX/2021, I haven't got my money in my bank account in the XXXX but it was already deducted from my XXXX debit card. I tried to email Xoom customer service, but only an autoresponder is sent back to me saying that they are sorry for the inconvenience. I tried to call their toll free number but I have been waiting for 25 minutes on hold/queue but no person answered my call. I did call for several times but same waiting time and no person answer my call. Tried to message their XX/XX/XXXX account but still no response.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP (CA)

The loan application number for the loan is XXXX I applied for a car loan and was denied by ( US Bank ) on XX/XX/2023. To this day I have still not received an adverse action letter explaining the reasons for my being denied. I was forced to reach out to the company directly, over the phone, to get the specific reasons because they still have not come in the mail. 

After calling the company to figure out my reasons for denial, I was extremely concerned. My denials came from reasons such as Utilization, credit age, and a few other alarming things. The reasons why they have denied me credit are prohibited basis. Seeing that this is not a " Special Purpose Credit Program '', pursuant to 12 CFR 1002.6 b ( 1 ), I can not be denied credit based on a prohibited basis. I am also fully operating in good faith by requesting a simple extension of credit, which is my right pursuant to 15 UCS 1691 ( a ) ( 3 ). Seeing that my being denied credit is based on prohibited basis, this has now become discrimination. This discrimination has caused me a grave deal of stress and anguish, damaging my mental health, my morale, and the well-being of my family. I am fully aware of my rights in consumer credit transactions, and seeing that I am operating in good faith, and I do not fall under anything listed in 15 USC ( c ) there is no reason for me to be denied credit other than pure discrimination. I attempted to reach out to the underwriter on my case directly to discuss this however I was denied access because as they stated, " I am a member of the public ''. 

The loan application number for the loan is XXXX
Consumer complaint received 2024-07-02
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. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX BENEFITS Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc. (MI)

On XX/XX/year> I was sent an email from XXXX [ for XXXX XXXX XXXX ] regarding past due monies XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount shown in the email is {$700.00}. They threatened to send the account to collections if not paid by XX/XX/year>. Because of the fact that the email was not sent from XXXX or XXXX XXXX XXXX, which is the company the XXXX is through, the email went into my spam folder and I didn't receive the letter until XX/XX/XXXX, at which point I immediately contacted them to let them know that I had only just then received the letter and had been trying to borrow money to pay the amount owed. I had been interacting with someone from the company and we had discussed setting up payments and she said she'd send me something, but I never received anything. Once again, I had been watching for emails from XXXX XXXX XXXX XXXX 

I have only been able to find part-time temp work since XXXX, and have been struggling and borrowing money just to pay my utilities and meet other obligations, so this account, which I've always tried to pay on time, was put off until I was able to get enough money to pay it. 

On XX/XX/XXXX I received an email response that my account had been sent to collections ( I found out when I called the number I was given for the agency that they had received my account the DAY AFTER I had contacted XXXX XXXX, XX/XX/XXXX ). When I called Aspen National Collections I was told that my total amount owed was {$1700.00} which shocked me because it was almost 3x what I was told was owed in the email that I received from the XXXX company. I tried to explain to the gentleman [ XXXX XXXX ] at the collections agency that the amount he was telling me couldn't possibly be correct and told him I had managed to borrow {$500.00} to put toward the payment, and he threatened me at that time that they will report this to the credit agencies and it will affect my credit. Since I hadn't received anything from their office yet, I told him I would wait until I received the letter, and immediately tried to call XXXX XXXX XXXXXXXX XXXX XXXX to find out what was going on. After digging the woman who I was speaking with managed to figure out that the amount that they had been telling me I owed was incorrect and it was actually double that. I pleaded my case to her regarding the email not being received and paying the {$500.00} and making payments to pay off the rest, and she tried to get her manager to approve it but was told that I would have to deal with collections. 

I finally received the letters ( yes, they sent two, apparently XXXX for each account that the XXXX company is claiming I owe ), and the letters received now show that I owe a total of {$1700.00}. 

I have had this XXXX for over 20 years and have always tried to pay on time or at least set up a payment plan. The reason I failed to set up a payment plan this time is because it really wasn't possible.
Consumer complaint received 2024-07-20
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. (GA)

XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed