davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (CA)

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. 

XXXX XXXX : # XXXX, XXXX JXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (OH)

I opened a Paypal account in XXXX for E-commerce and to make purchases online to avoid putting my credit card on various websites. A couple of years ago, I applied for a line of credit with Paypal Credit XXXX XXXX Bank ), XXXX separate entities. I can access my Paypal account and my Paypal Credit account from XXXX. 

On or about XX/XX/XXXX, I made a tire purchase through my line of credit from Paypal Credit XXXX XXXX Bank ) for XXXX. It was an online purchase with XXXX. The tires arrived at the store and we were informed that the tires were the wrong size. XXXX initiated the refund and gave us a receipt ( attached ). We later discovered that the refund receipt indicated the refund of {$0.00}, ( XXXX dollars ). I logged into my PayPal account and opened a dispute. 

Paypal Credit resolved the dispute ( Resolution letter attached ) and adjusted my line of credit accordingly. However, PayPal is now attempting to collect the same XXXX ( documentation attached ) from me, which they had nothing to do with this transaction. I did not purchase the tires from PayPal, they never gave me XXXX for anything. I purchased the tires using my line of credit. Paypal has a negative balance on my account and they have shut my account down, I have made countless phone calls to Paypal and Paypal Credit to resolve this issue. This has been going on for almost 2 months now. When I call Paypal, they tell me that I need to call Paypal Credit. When I call Paypal Credit they tell me to call Paypal. This is what they tell me to do every time I call. This has been going on every day, all day, for weeks. I have made countless phone calls to no avail. They keep me in a loop while they blame each other. 

Paypal has sent numerous emails demanding this money from me. Paypal has also made many phone calls to me before XXXX am, in the morning waking me from my sleep. I have explained to them that I am a senior citizen and that this process has made me physically ill. I emailed them the Resolution Letter from Paypal Credit, and it has been of no effect. I have talked to countless people at both companies, to no avail. I personally can not resolve this, because there is obviously a system error. I am not sending PayPal XXXX that I do not owe them. As far as PayPal credit, they have resolved the issue and made the proper adjustments to my line of Credit. 

Resolving this issue is beyond me and I can not get Paypal Credit and Paypal to resolve whatever the issue is. I am not sure if this is a scam, and why Paypal is trying to force me to pay a debt that I do not owe them. I am praying and hoping that you can help resolve this nightmare.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TN)

Bank transfer ( XXXX ) {$1500.00} totaling {$3000.00} from my savings account on XX/XX/XXXX without authorization and/or request. Regarding the XXXX account, the bank states this request was set in motion in XXXX. I did set up a ( XXXX ) one-time transfer for {$7000.00} to an IRA but never agreed to ongoing transfers. Now ( XXXX ) years later bank states that this was set up in XXXX. Bank added ongoing transfers after The ( XXXX ) time request made in XXXX
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4300.00}
Consumer complaint received 2023-04-26
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4300.00}
Consumer complaint received 2024-01-26
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: DISCOVER BANK (MT)

Been working to have Discover Bank remove a fraudulent account from my credit report for years now. They are upholding that the account belongs to me after an half done investigation stating that [ I ] gave them my information and I have never lived at the address they are saying that they sent the card to. I am exhausting all administrative rememdies, I've put in police reports and contacted the company and the credit bureus to no avail. this is my last stop before the courts.
Consumer complaint received 2023-04-26
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3600.00} ; CHILD XXXX ENF AG/N XXXX Balance Owed : {$1700.00} ; XXXX  XXXX XXXX Balance Owed : {$810.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (AZ)

On XX/XX/26 I paid my landscaper thru zelle. He said he didn't get the transfer. I showed him the notice that they sent saying they sent the money. The a few minutes later got another email from them saying that it will be on hold for 24 hrs and he will get it the following day. Two days later he called to let me know he still has not received the funds. I called them on the XXXX at approx XXXX and they said then he would have ot this morning in his account. And still has not occurred. They took the money the second I sent the transfer request and have been giving a run around ever since. 

Thanks for any assistance you can provide.
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc. (SC)

I was never properly educated on being able to dispute my debt on a credit card through XXXX XXXX XXXXXXXX. I also was moving during the time of making these purchases, and I believe they were sending notices to the wrong address until they realized I moved. 
It is slightly over {$4000.00}. Ive been able to pay off some of it but its impractical for me to be able to pay it all off with other bills when I couldve disputed it, if made aware. I am a low income adult.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (WA)

I was trying to devide my money into increments of {$250000.00} for fdic insurance. Synchrony Bank somehow took {$500000.00} instead of the authorized {$250000.00}. Once under my moms name and once under my name. I've been trying to get them to send {$250000.00} back and then they froze my account. As a result I filed a claim through Citi to get the money refunded. Synchrony is saying that claim went through and they sent all {$500000.00} back to Citi but I do not see it in my Citi account. It is also not in my Synchrony acount and I can not have access to my Synchrony account whatsoever. Citi customer service also said the money hasn't been returned but that the two fraud claims had been filed and I should get my money back in 10 business days. Now mine and my moms life savings is simply gone and I have no way to see who has it or where it is.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-11
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: CITIBANK, N.A. (GA)

I'm in enrolled in a debt consolidation program with XXXX XXXX XXXX and 4 of my accounts were paid off under the agreement and the creditors are still reporting negatively. When I enrolled into the program it was suppose to help build my credit but it has affected me tremendously. I've disputed the results and nothing has change. What help is the program if it's not helping. I need help. These are the settlements that were negotiated, The accounts are XXXX XXXX {$4700.00}, HOME DEPOT {$1300.00}, XXXX XXXXXXXX XXXX {$1200.00}, and XXXX {$2400.00}. I can provide more documents if needed.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (MO)

Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature.

Name and contact information of the original creditor, if this account was transferred or purchased.

Any other documentation verifying the account is, in fact, mine.

If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.

Until this matter is cleared up, I firmly request that you stop reporting this account altogether.

Please give this matter your prompt attention.

Thank you so much for your time.
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 I applied for a Bank of America business credit card and was denied, regardless of the reason for being denied, I have the right to credit. Withholding access to my securities is securities fraud. This is in violation of the Equal Credit Opportunity Act and the Consumer Credit Protection Act. I have asked multiple times to please retract my application, both by phone, email, and notarized document sent certified mail.
Consumer complaint received 2024-01-26
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: CBC Companies, Inc. (TX)

I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX v. XXXX XXXX. Bank, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. 2004 ). 

Your response should to me should include the following at a minimum.

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

If yes to above : ( i ). Who did you speak to?

( ii ). On what date?

( iii ). How long was the conversation?

( iv ). What was their position?

( v ). What telephone number did you call?

( vi ). What is the name of the employee of your company that spoke directly to the above party?

( vii ). What is the position of the employee of your company that spoke directly to the above party?

( viii ). How long has that employee been employed by your company?

( ix ). What formal training was provided to this employee to investigate items of this kind?

( v ). Was there any e-mail or written communication between members of your company and the above party?

8. Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9. Provide the date of the commencement of delinquency.

10. Provide the SPECIFIC date reporting that these items will cease.
Consumer complaint received 2023-09-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

A XXXX credit card was opened under my name/address, with a limit of {$800.00} dollars, without my knowledge. This happened around the beginning of XXXX, when I received a XXXX  letter in the mail, and saw an attached credit card. I havent called to cancel the card, seeing that it has to be activated in order to work. On XX/XX/XXXX, I received another letter from XXXX XXXX, implying that I applied for a credit card ( I definitely did not ), and it stated that they were unable to approve a XXXX XXXX XXXX XXXX, due to not being able to verify my social security number. Today, XX/XX/XXXX, I received a letter from XXXX XXXX, for of course another credit card opened without my consent. The limit on the card was {$250.00} dollars, and this card was ready to be used. I immediately called and canceled the card. Thankfully, no money has been taken from my accounts yet. Im extremely concerned, and want to stop whoever is applying to these credit cards without my consent.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Upgrade, Inc. (MO)

Several months ago I customer customer service to close my account, she said she would but they would need 30 days to make sure there were no pending transactions. 30 days came and went, there were no transactions and the company did not close my account. I called back again and talked to another representative, she told me the same thing and that this time it would be 15 days with no transactions for the account to close. 15 days have now came and went, no transactions and they're still not closing the account. It's just a perpetual run around.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (IL)

I received a lawsuit from Blitt and Gaines which was for XXXX XXXX XXXX. They said it was for a XXXX bill. The debt is valid. However, I never received any letters from XXXX XXXX XXXX about my debt. 

I reached out to Blitt and Gaines and asked if they could send me a settlement agreement and I would pay in installments. They refused to send an agreement and demanded I pay {$5500.00} in settlement and do it over the phone by the end of XXXX. 

I explained that I was unemployed and was subsisting off unemployment. They said you have 9 days or we cant help you. 

I emailed the company and sent a letter, they did not respond. 

I have a lawsuit which is unfair and a debt I can not pay off. Please help! They sent me to litigation without due process.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NJ)

Rushmore Servicing aka Mr. Cooper aka Nationstar has continued to provide incorrect, misleading & contradicting information which has lead to them now beginning a 2nd foreclosure complaint while they continue with RESPA Violations. 1.In the XXXX Debt Validation letter reply Rushmore Servicing states that the investor is XXXX Asset Backed XXXX XXXX  XXXX. In the XXXX XXXX Foreclosure Complaint the Plaintiff names the investor is XXXX XXXX XXXX who they claim was the investor from an assignment of mortgage and was the investor in XX/XX/XXXX which clearly contradicts Rushmore Servicing reply in XXXX debt validation letter. XXXX. XXXX XXXX XXXX XXXX used the same exact word for word and number by number XX/XX/XXXX Foreclosure complaint as the Foreclosure complaint that was dismissed in XX/XX/XXXX. XXXX. XXXX XXXX XXXX XXXX they spoke with Representative at Nationstar who has knowledge of the account yet the Servicer is Rushmore Servicing and NOT Nationstar. 5. Rushmore started this most recent XX/XX/XXXX Foreclosure complaint, while stating the incorrect account balances in question ( legal fees, maintenance, title fees, etc.. ) were still be investigated and would have answers by XX/XX/XXXX, Unless extension is needed & no foreclosure proceedings would begin before the balances were confirmed as correct/incorrect. These continued contradictions and misleading replies has caused us both financial and emotional distress due to their RESPA VIOLATIONS and need to be rectified and any foreclosure complaint to be cancelled immediately.