davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS Affirm Inc ( Account Number XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from Affirm Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Permanent account limitation was unexpectedly placed on my Paypal account without explanation. I have only been using my account to purchase and sell crypto currencies as allowed by Paypals policy. I received an email on XX/XX/2021 that a permanent limitation has been placed on my account and I can not access my funds for the next 180 days. I have tried to contact Paypal via online messaging but was told that all agents are offline ( at XXXX XXXX  PST ). I also tried to use the Resolution Center on Paypal 's website but it did not provide any reason or actual steps I can take in order to resolve this issue. On XX/XX/2021, I finally got through to a live agent by calling Paypals Customer Support after being placed on hold for almost one hour. The Supervisor ( XXXX ) told me that an internal decision has been made that they can not let me access my remaining crypto currencies in the account but declined to tell me which policy I have violated or what has triggered the ban. Paypal has received my drivers license, home address and bank statement in a previous incident similar to this one. My account was restored on XX/XX/2021 and I have received a notification email for the restoration. There has been no transaction in my account since XX/XX/2021.
Consumer complaint received 2023-05-02
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)

When I sent a copy of the FTC report, it took some time for it to become clear that the credit bureaus are not obstructing records. I'm sending this complaint to help with organizing a legal response because it is required by FCRA regulation 605b. If you choose not to stop the further objects listed below that are responding falsely as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$760.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

XXXX posted on XXXX way to make extra money XX/XX/2023 pay {$100.00} get {$1500.00} with bitcoin. Then was told to release funds need to pay {$300.00} more paid that. Received email from XXXX XXXX XXXX stating upgraded and needed to pay {$520.00} to get amount paid the {$520.00} and was told by XXXX to release to cash app my now new amount {$24000.00} i need to pay {$1200.00} paid the {$1200.00} XX/XX/2023 and was then told I need to pay {$2500.00} more. Did not pay got worried and now they are holding my funds totaling {$25000.00}
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

I have already filed a complaint, but it was incorrectly closed. Claim # XXXX I have attached a copy of the response letter from Citibank of XX/XX/XXXX XXXX which claims that they have received no response back from the bank of deposit , XXXX XXXX XXXXXXXX XXXX 

But in fact Citibank was mistaken. They had indeed received a response back from XXXX XXXX  XXXX on XX/XX/XXXX. That letter was forwarded to me by Citibank on XX/XX/XXXX. See attached. 

In XXXX XXXX XXXX 's letter to Citibank, they claim that the funds that Citibank had debited from my account had not in fact ended up in the account at XXXX XXXX XXXXXXXX as of XX/XX/XXXX. 

I had alerted Citibank of the fraud on XX/XX/XXXX ( as confirmed in the attached letter from Citibank ) so it appears that the funds transfer was successfully stopped? 

BUT, nine months later and after innumerable telephone calls and letters, Citibank has not credited me for the {$5600.00} that they removed from my account. 

Where are those funds?
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act
Consumer complaint received 2024-06-06
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. 

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 2024-04-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I moved out of my apartment at XXXX XXXX XXXX, XXXX, XXXX CA and into a new smaller unit on XX/XX/XXXX. I paid all my fees from my XXXX apartment after chasing down the leasing office staff to give me my move out cost on XX/XX/XXXX I finally received that total which was {$260.00}. I got a money order and paid this to the apartment in XXXX of XXXX. 

However on XX/XX/XXXX I received and email from Columbia Debt Recovery, Genesis stating that XXXX at the Bridge ( now run by the XXXX, my current apartment ) sent them a debt of {$260.00} ( the price plus interest ). I immediately forwarded this to my apartment complex who reported they were unsure why it was send to the debtor as they have me as paid in their system. They sent over proof of payment to me via email. 

I then called Genesis to dispute the claim on XX/XX/XXXX and provided email proof that it was paid. I was instructed to call back as my proof XXXX not be enough but they would submit it and see. I called back again on XX/XX/XXXX to find out there was no documentation in my account outlining the proof that was sent and had to resend the information of the paid debt again. I was instructed to call back to follow up again. I called back XXXX more times with the same issue until XXXX of XXXX where I got a ding to my credit for supposed unpaid debt. I then called and I spoke with a supervisor twice who stated that yes my debt appeared to be paid and that it would be settled and that it would not show on my credit. I called back again on XX/XX/XXXX as I did not trust they would follow though to find out that no it was not settled. I asked to talk with a supervisor who was not available an am waiting to have my umteenth conversation with them about something I paid over a year ago at this point. they are unorganized and dishonest and effecting my credit which in turn effects other part of my life. This is unethical and wrong adn they need to be held accountable. 

I have just about every conversation in writing and can provide those as well as proof that I paid my debts well before they were sent to collections.
Consumer complaint received 2024-04-15
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: Stellantis Financial Services US Corp. (IL)

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV has denied me my right to have a debt verified in accordance with the Fair Credit Reporting Act Section 609. LVNV Funding has not provided sufficient evidence to prove that I actually owe this debt. They have also NOT provided proof they are licensed to collect debts in the state of Florida. This is now my third attempt to have this company validate this debt. I will be reporting this to the FTC and Florida Attorney General for their blatant violation of my rights. I need to see the rest of the paperwork/contracts you have from the original creditor. Present the terms and conditions that gives the interest rate. 
I am requesting all documents in whole, pertaining to this alleged contract/assignment of debt from all transactions up until this point.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (OH)

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay the debt, the debt collector must cease all form of communication. Report to consumers credit reports are a form of communication, which is a violation of the law.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

Chase Bank Debit Card XX/XX/2023 Unathorized Transaction involving my debit card and XXXX XXXX was done and i for {$2600.00} and then a follow up transaction of {$2400.00} as well on XX/XX/2023. I disputed the first transaction as soon as i saw it as i had no knowledge of and the {$2400.00} was pending as well during that time. The Rep told me they would dispute it together but he was very rude about the whole thing he issued me a new card. The dispute was closed in less then 12 hrs with no research or anything and the only transaction even on the dispute papers they sent was {$2600.00} and they denied it saying it looked good and was authorized. SO then i called and asked how it was possible to deny the claim in less then half a day and no one could explain it. Then i said its odd the other transaction wasnt listed on the claim even though the claim amount was for both. SO the rep then issued a claim for the {$2400.00} which has been in progress for a few days and I was issued a chargeback for literally the orignal claim the first rep didnt file correctly. So they approved the {$2400.00} as fraud which came after the Intial {$2600.00} they denied. Its uncalled for and the first rep didnt care and was beyond rude and I am just upset and want my {$2600.00} approved for chargeback and refund or however it is done since they approved the second charge as fraud when they were both connected.
Consumer complaint received 2024-01-09
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 (LA)

I received an American Express gift card as a bonus from my work. It is for {$1000.00}. I still have {$460.00} available to use on it but every time I try to use it it gets declined. I have tried to use it for groceries, gas, online and in store. Nothing. I called customer service, and they tell me that they are aware there is a problem, but they can not do anything. Try again in 24 hours. I keep trying but it keeps getting declined. I am attaching a copy of a typical decline notice and a screenshot showing the balance still available to use.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

I'm not sure what's going on but I made a payment for {$70.00} on XX/XX/XXXX, {$10.00} on XX/XX/XXXX and on XX/XX/XXXX. My total amount due was only {$85.00} for XX/XX/XXXX payment. I have never been late making any payments with this company JCPenney bill except I sent my XXXX payment in on XX/XX/XXXX. Then I got it for a late fee of {$41.00} which was given back as a onetime courtesy credit. 

On XX/XX/XXXX Synchrony Bank who finance the JCPenney credit cards pulled my credit report without my consent. I only gave Synchrony authorization one to pull my credit report. 

My late is {$41.00} for XXXX payment and then {$45.00} for payment security fee total fees {$86.00}. 

Then after the review my credit report then they decreased my credit limit from {$4000.00} to XXXX. All because of the one time late payment of {$5.00}. These banks are illegal pulling consumer 's credit report without their consent if they're late with a small amount of XXXX, XXXX to say we were doing a randomly review. What kind of random review you are doing pulling a consumer 's credit report without their consent? 

Banks are hiding behind these fees and turn around pulling consumer 's credit report without their consent to say we are randomly reviewing credit. Did not give the bank the consent to pull my credit report to cause my credit score to decreased. 

Please see the attached account statements XXXX and XXXX and the letter from synchrony Bank XX/XX/XXXX. They pulled my credit report illegal on XX/XX/XXXX. My bill for XXXX 's statement was {$85.00}. I made payments on XX/XX/XXXX {$70.00}, XX/XX/XXXX {$10.00} and {$5.00} and on XX/XX/XXXX totaling {$85.00}. The {$85.00} payment was due on XX/XX/XXXX.
Consumer complaint received 2024-06-06
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (IL)

I am not reliable for this debt XXXX XXXX XXXX, I do not have a contact with Summit AR, They did not provide me with the original contract as I requested a debt validation not a hear say letter from a fraudulent company. XXXX XXXX XXXX is not a real company in the state of Illinois Secretary Of State website no business by this name can be found under this alleged company claiming I owe them money. When I found out XXXX XXXX is not a real business all equipment was return back to them and I have my postal receipt included in this complaint. Summit AR is not licensed or bonded to collect on a debt in the state of Illinois. I ask that they cease all communication via phone & postal mail because their doing the same fraudulent activity as XXXX security services knowing their not licensed.
Consumer complaint received 2024-04-07
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I contacted PennyMac around XX/XX/XXXX or eighth 2024 before My special forbearance plan was about to end on XX/XX/year>. I contacted lost mitigation for an extension on my forbearance plan. lost mitigation advised me I was approved for one month. I was also advised that if I was to make two payments that I would get an additional two months I used my credit card to make those two payments and effort to extend my forbearance plan, after the payments were took, I was then advised I needed to be forwarded to the loan modification department. I expressed my concerns about not being on a forbearance plan and it affecting my credit negatively. I contacted him multiple times to get the process moving along and effort to avoid negative credit reporting I wasnt made aware that I was removed from the forbearance plan before XX/XX/XXXX, which was the end date Which made me officially behind via the credit bureau as of today Sunday XX/XX/year> because they removed me from the forbearance plan XX/XX/XXXX instead of XX/XX/XXXX my credit dropped over XXXX points, when I requested information about the length of time I was allowed to be on a forbearance plan based on my insurer, I was told I was only allowed to be eligible for six months when I read the information regarding my loan type and the insure details on forbearance, it was mentioned that you cant be more than 12 months behind on payments as of now im only four months behind. And I was offered no options for forbearance plan or any option to save my credit or was informed of my forbearance plan ending please help.
Consumer complaint received 2024-06-06
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. (MN)

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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was in prison and was released to a halfway home and someone got a car in my name. 
and my credit report is perfect but I will not pay for a debt that is not mines.. 
Now I am trying to help myself. 

According to my experian monitoring system this account open XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX original balances
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

Spoke to XXXX in Customer Service regarding account ending in XXXX, who verified the solution with a supervisor ( put me on hold ) : they charged me a {$35.00} fee for a ACH payment return which was drawn on funds in THEIR bank. Auto payment is scheduled for the XXXX. She told me to call back in a week to verify the deletion of the fee as the payment went through the same day it was recorded as returned. 

I called back XXXX and was told by XXXX XXXX who asked my PIN #? ) that it couldn't be reversed.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account # XXXX Balance {$4000.00} ( inaccurate ) Last verified XX/XX/XXXX ( 4 days ago, lie ) Last activity XX/XX/XXXX ( 4 days ago, lie ) Date reported XX/XX/XXXX ( 4 days ago, lie ) Date opened XX/XX/XXXX Balance owed {$4100.00} Closed date XX/XX/XXXX ( 4 days ago, lie ) Individual account Account not disputed ( this is a fraudulent statement ) This account is full of fraud and violations of my FCRA rights! Date of last activity fraud. Close date is reporting fraudulently and extremely re-aged, etc.