davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX I made a purchase on XXXX for XXXX. Before completing the purchase, Paypal gave me the option to select how I wanted to make payment. I had XXXX within my Paypal balance and was currently without funds on my debit card so I selected to use my Paypal balance to avoid any unnecessary fees ( I have photo evidence that that selection is available ). On XX/XX/XXXX I receive an email stating that my payment was unsuccessful. I don't notice this email until Friday XX/XX/XXXX. Confused as to what happened, I checked my Paypal balance and see that there is an attempted charge and a bounced check fee on my bank account. Now overdrawn I call my bank who reverses one of the charges and tells me to call Paypal. The woman I speak with on Paypal ( I did not get her name, I should have I found out later ) tells me that the vendor can deline the payment method I selected and change to a different one. I told them the circumstances and they told me they could transfer the funds to my account, which also wouldn't work because due to the system of my bank, it will take the funds for another debt and thus will land me back where I started with overdraft fees. I asked to speak to a manager, and after some protesting, the woman made me a ticket for the case and said a manager would call me back in 24 hours. 

No call came. 

Cue today, XX/XX/XXXX, and I still received no callback and I saw another pending transaction on my bank card, but XXXX missing from my paypal balance. Well NOW I am perturbed and I call back TWICE! 

The first call I sat in some sort of limbo state for 30 min. Thinking I was being ignored, I called back and got a young man this time. After explaining the situation ( apparently the lady before did not take notes on the issue ) The young man did some digging, explaining why I was XXXX shorter ( which is apparently due to ANOTHER issue I need to deal with ) but also stated there was nothing he can do. I asked to speak to a manager, and after some more protesting, the young man created a case and I took down the number for the case. I didn't get the young man 's name unfortunately, btu the case number is ( ask for case number ). He said a manager would call me within 24 hours THIS time, I received a call within the same day ( nice ). THIS time I got the manager 's name : ( ask for manager name ). After some back and forth he explained to me that the reason my card ended up getting charged is because the internal security system determined that paying through my card was safer than using the balance on file, which makes absolutely no sense. Upon him admitting that, I explained the issues this caused and he basically said to " take it up with my bank '', and with no solution in site, I was recommended to my father to come here to make a complaint.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give you XXXX, Transunion, or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you i
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One charged my account off. I have not received a 1099-C from the company as this is now written off by Capital One and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company Capital One as well as the three major credit bureaus. XXXX, XXXX, XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: World Omni Financial Corp. (GA)

For the last several months I have spent time speaking with all XXXX credit agencies. XXXX and XXXX. Upon speaking with them i was asking for my credit report be updated from years of no reporting from different companies. 

After speaking with these agencies, I was informed they could not do any updating, they would have to receive a report from the vendor submitting an update such as accounts closed and paid off. They have XXXX days to update my credit file. 

I was informed that it does show my accounts was paid in full and closed, however there has not being any reports to the credit agencies in years and they don't fill they have to since the account is closed and paid in full. I have spoken with the companies many times asking for help only to no end.
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (CO)

I received an email on XXXX XXXX XXXX  from TrueAccord attempting to collect a debt for XXXX XXXX in the amount of {$1000.00}. 

I responded on XXXX XXXX XXXX  indicating that I " was not familiar with the account, '' and to " please send verification '' that I owed this debt. 

I was subsequently contacted by email on XX/XX/2024 by TrueAcccord indicating the same information as their previous contact adding : : '' we strive to make debt collection less daunting, '' and " TrueAccord Corp. uses digital communications ( like this email ) '' I responded again via email saying " Please send a validation of this debt. This is the second request. '' Following this began receiving multiple calls via automated dialers.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 



Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 



As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 



Furthermore, I request that you investigate the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 



I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-02-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received an AMEX gift card from my dad for XXXX. I have never successfully used this card anywhere, even though it remains active. 

This is a physical card, and it is declined both online and in brick-and-mortar stores, at restaurants and grocery stores, or XXXX XXXX - no one will take this card. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the card ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balance for my unusable cards to a virtual card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a XXXX XXXX from American consumers. They hold our legal tender XXXX and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not resolve with AMEX customer service nor can the original purchaser. 

My money is inaccessible. All I want is the total balance on my cards in cash/check.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio recovery. For the amount of XXXX. On my XXXX account what's showing XXXX collections. so I printed it out and sent that to XXXX and XXXX. A week later on my XXXX profile out of the blue start showing a collection. I have proof I can send you that as well.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (CA)

Hello I noticed yesterday afternoon that Avant credit card had placed my account as being over limit I had no idea because I was never notified and when I checked online today nothing showed up on theyre app showing any pending transaction or on statement on the app so I called and told representative I had no idea why it would be over credit limit that I had already made my payments are in time never late and never been over my limit she stated they had taken theyre fee out of the card of XXXX why would I not be informed I said she tried telling me that this is annual fee and that I was notified I repeated no I was not notified at all I asked if over credit limit was being reported to effect my credit score and that it is extremely wrong to not notify someone so this does not occur XXXX  yes already reported I would like this to be taken off my credit report this was not right to do this and then report it
Consumer complaint received 2024-02-03
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: SYNCHRONY FINANCIAL (NJ)

I found on my XXXX credit report that there is a hard inquiry made on XX/XX/XXXX, which was credited by Synchrony Bank for their LOWES branded credit card. 

I have never applied any credit card from Synchrony Bank, and I have never applied any LOWES branded credit card. 

I first contacted XXXX, and XXXX said only the original creditor can inform them of such removal. 

I then contacted Synchrony Bank on XX/XX/XXXX about such unauthorized hard inquiry, and Synchrony Bank did find a credit card account within their system, ONLY matching the name ( SSN, DOB, Address, Phone non-matching ). 

However, Synchrony Bank refused to inform the credit reporting agency ( XXXX ) to remove such hard inquiry from my credit report.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

I am writing to file a formal complaint regarding the practices XXXX which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

Upon reviewing my credit report provided, I discovered several inaccuracies and discrepancies that have had a detrimental impact on my financial standing and personal well-being. These discrepancies include inaccuracies, such as erroneous account information, incorrect payment history, and unauthorized inquiries. 

I would like to draw your attention to the following sections of the FCRA, which I believe XXXX has violated : 15 U.S.C. 1681e - Accuracy of Information : XXXX is required to maintain reasonable procedures to ensure the accuracy of consumer information in your files. The inaccuracies present in my credit report demonstrate a failure to fulfill this obligation, resulting in adverse consequences for me. 
15 U.S.C. 1681i - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute regarding the accuracy of information provided by a consumer reporting agency, the agency must conduct a reasonable investigation to determine the accuracy of the disputed information. Despite my previous attempts to dispute the inaccuracies in my credit report, XXXX has failed to conduct a thorough investigation and correct the errors. 
15 U.S.C. 1681g - Disclosures to Consumers : XXXX is required to provide consumers with access to their credit reports and disclose the information contained therein. However, the inaccuracies in my credit report suggest that XXXX has failed to provide me with complete and accurate disclosures as mandated by the FCRA. 
I demanded that XXXX take immediate action to rectify the inaccuracies in my credit report in accordance with the FCRA. This includes conducting a thorough investigation into the disputed information, correcting any inaccuracies, and providing me with a revised credit report reflecting the accurate information. 

Furthermore, I requested that XXXX provide me with a written explanation detailing the steps taken to address my complaint and prevent similar issues from occurring in the future. 

Failure to comply with the provisions of the FCRA may result in legal action being taken against XXXX I trust that they will take this matter seriously and promptly address my concerns.
Consumer complaint received 2024-02-03
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: SYNCHRONY FINANCIAL (GA)

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (OH)

There is a public record showing on m report that is causing an identity mix max error on my credit report and it is being reported from ( XXXX XXXX/sage stream ) I do not have an agreement with XXXX XXXX nor sagestream to report any of my private information to the credit bureau on my behalf. I called the us district court and they could not provide a case in my name for reference, called my local municipal court and they could not provide a case in my name to reference either while they are not members of the credit bureau nor do they report anything to the credit bureau all case information has to be paid for an you must be a party within the case to post case information publicly.

This information that is showing on my credit report needs to be DELETED '' from my consumer report as this is a direct violation of the fcra, and violation of the local rules for U.S. District Court
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Company Name = Synchrony XXXX XXXX XXXX XXXX {$140.00} Reason = account has been closed as paid in full ; therefore, how was this charge paid and why and for what? 
Date of XXXX dispute - XXXX XXXX- emailed on their site. 
Date of XXXX dispute - XXXX XXXX - company was mailed a letter with details as well as copies of XXXX dispute email and other correspondence from them. 
Received letter dated XXXX XXXX from company asking for same as what was mailed in XXXX XXXX XXXX received letter from firstsource collections requesting payment
Consumer complaint received 2024-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (FL)

On XX/XX/year> I use a company called Square to charge my clients. I was paid {$290.00} for a service and paid the extra fee to have it directly deposited into my account. I never received the money. Square says they sent it, my bank shows they didn't. They gave me a number to give to the bank to look it up and they said there is no deposit for that day. It's been XXXX months and I have yet to get my money. It can't just be in limbo like this. This has been happening to so many people in the country. It's unacceptable. I need my money. I've been back and forth with both my bank and square and they just point fingers but I know something fishy is going on on Squares end. They say I need a letter from the bank showing that there was no deposit. My bank doesn't issue these letters for security purposes. The law says that the invoices should be enough. And I already sent those invoices months ago.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 2024-07-12
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: EQUIFAX, INC. (CA)

In regards to complaint # XXXX Its been 60 days and Equifax has not unlocked my report. I have been trying to get my credit report. Please help they are not trying to give me access to my own credit report. I have given them all my documents as needed and they still refuse to unlock my report.