davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P. (FL)

The amount on this credit card owed was only about {$30.00}. I tried making my minimum payment but they didnt accept money coming out of my XXXX XXXX. I tried to contact them to give them a new form of payment for my minimum payment but they close my account with little to no notice charging me now the full payment of the credit card plus interest which is over {$400.00} I believe this is inaccurate and its unfair that I would have to be charged for the full payment of this card when the company was the one that closed it not me this was in XXXX that my account was closed.opened in may of XXXX 
Due to this inaccurate information, it is showing at a derogatory on my credit report. And now there is a third-party called resurgent receivables LL that is charging me for this.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, an individual sent a payment to my PayPal debit account, which has a checking number and debit card. I was unable to accept the payment, and PayPal notes the account must be verified. 

I then made countless calls to PayPal customer service over the weeks, only for them to say every time that 'there is a block we can not lift and you must wait 48 hours to link a bank, also don't use the service. ' As of XX/XX/XXXX, the payment is marked as returned by PayPal because they state the account wasn't verified. They prohibited me from verifying my account to accept the money into my account.
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (CA)

Unknown inquires including a few companies I already had an account with. Looks like someone stole my mail and has been trying to open accounts. 

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 2023-08-05
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. (NJ)

I recently Checked my credit report and found an inaccuracy that credit bureau refuses to properly investigate.I have account statements that show account was never late and on time the following accounts below need to be updated correctly and accurately to never late with all late remarks removed : XXXX XXXX Following dates need to be updated to on-time Dates XX/XX/2023 XX/XX/2023
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that you provide me with the following information : I have no record of entering into any contractual agreement with your agency. As such, please provide a copy of the original, signed contract or agreement that establishes my obligation to pay your company this debt you brought, not my personal information. I remind you that under the FDCPA, you are obligated to cease collection activities and reporting anything on my credit files until you have provided the requested verification of the debt. Failure to comply with this request within 14 days of receiving this response will be considered a violation of the FDCPA. I will use all remedies available to file a federal lawsuit against your company. Stop sending the same letter to the CFPB!!
Consumer complaint received 2024-02-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (PA)

TRANSWORLD SYSTEMS INC Opened XX/XX/2023 amount allegedly owed : XXXX I have been a victim of identity theft for some time now. I had no knowledge on what to do or who to contact about the items that were appearing on my credit report. However, someone have come along and told me to follow the steps with FTC and CFPB so here I am I hope to get good results from filing this complaint. This item has been negatively impacting my life and my credit file from job opportunities to living opportunities in general.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-08-05
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. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2024-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX I was shocked to see my Capital One 360 Savings account was earning only 0.30 % APY when market rates are much higher. I looked at the Capital One website and saw that their savings account product was earning 4.35 %, so I believed that there was an error on my account that failed to adjust the rate. My interest rate had remainedthe same since around XXXX of XXXX. 

XX/XX/XXXX I called Capital One and spoke with XXXX. XXXX informed me that my account was earning what a Capital One 360 Savings account should, and that the 4.35 % APY was for the Capital One 360 PERFORMANCE Savings account. She advised how I could open such an account and move the funds. I asked to be escalated to her supervisor regarding the large discrepancy for quite some time. 

XX/XX/XXXXXXXX  I spoke with XXXX ( supervisor ). XXXX reviewed communications to me and confirmed Capital One did not communicate to me ( via mail or email ) that my interest rate would be stuck at 0.30 % and that the product was being replaced ( seemingly no longer supporting XXXX increases ). He also confirmed that my APY is variable, and that reasonable consumers expect variable APYs to increase due to the Fed 's interest rate changes and market interest rates. He noted the bank 's website had a feature to compare my current product 's interest rate to new product 's, but that this feature was not available in-app or communicated to me proactively. He also noted interest rates are available in account details when logged in, and on statements ( not currently mailed but available when logged in ). However, he agreed that a reasonable consumer would expect their interest rate to adjust due to the Fed and market rates. XXXX also agreed that 0.30 % is not in line with any savings accounts offered by Capital One or its competitors at this time. 

In short, Capital One created a new savings account with an extremely similar name that has reasonable rates and failed to notify existing savings account customers that this was a different product and that they should no longer expect reasonable rates. Capital One did not offer the ability to roll into the new product or in any way communicate that the customer would stop receiving APY increases if they remain with the 360 Savings account. 

Capital One experienced significant bank gain at the expense of customers for under-providing interest for years by a significant percentage. The bank was also highly deceptive ( violating XXXX ) in its similarly-named product with vastly different interest rates, and caused additional customer harm by acting against reasonable consumer belief by failing to raise interest rates on the older product.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-06-15
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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

My Toyota Motor Credit account is reporting delinquent, but I am current and have never been delinquent on this account with Toyota Motor Credit. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I received a letter from XXXX XXXX attorney telling me a judgement could be reactivated since it went dormant. I offered to pay half the debt to XXXX XXXX on XX/XX/2024. I sent proof I received social security. They told me to put file number XXXX and to send it to XXXX. The attorney said they would contact the client and get back to me. I followed up a week later with no response. I called Portfolio Recovery myself and they said they don't own the debt to contact XXXX XXXX. I'm being threatened legal actions and I'm offering a settlement for my debt that I can afford and no one will cooperate or communicate.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (UT)

Hello, I just received a notice from " the CBE Group, Inc '', passing for a debt collector for XXXX ( see document attached ). There is no mention of why I would owe $ XXXX to XXXX XXXX and it's especially suspect since I never sold anything there. The account number they refer to isn't mine, and their address doesn't match the one for CBE Group inc on the IRS website. A quick search online reveals that I am not the only one who may be preyed on. 
Thank you.
Consumer complaint received 2024-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (OH)

In XXXX of XXXX, Americollect sent me a debt collection notice. Within 30 days I responding disputing the validity of this debt. I had just experienced identity theft in XX/XX/XXXX, I wanted to be sure the debt was valid because I am in good standing with XXXX and never received a bill from them. I never heard back from Americollect and they stopped calling for 6 months or more. I never received any additional mail from them. Now they are putting this on my credit report, which is illegal. The debt was in dispute originally with no response from the company. How can they put this on my credit? Ive never had one late payment ever, no collections. I had over an XXXX credit score which has since dropped over XXXX points. This is going to cost me money now because Im just about to apply for a mortgage!
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding has reported three collections to public consumer credit file with the credit bureaus. LVNV Funding has never sent me a notice of collection to notify me of any alleged debt. Therefore, attempting to collect and report this debt to the credit bureaus is a violation of the FDCPA. The debts that LVNV have reported to my public consumer credit file are not valid thus LVNV Funding has no legal right to report this to my credit and attempt to collect a debt. I never authorized any accounts in relation to the debt amounts of {$1000.00} account ending in XXXX, {$760.00} account ending in {$8900.00}, and {$580.00} are the accounts and amounts that LVNV Funding is reporting. Reporting these invalid debts to my public consumer credit file is a violation of the FCRA.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote a letter about unknow and unauthorized inquiries on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXXXXXX XXXX breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( XXXX ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (SC)

Chime has violated the Electronic Funds Transfer Act by not refunding my stolen {$1100.00}, despite having sufficient evidence of fraud. There is an ongoing investigation with a police report and case number that I provided to the Chime investigator. I reported the theft within 30 minutes, and according to the act, my liability for the lost funds should not exceed {$50.00}. Chime has neglected to conduct a thorough investigation into the unauthorized transfer and may have intentionally disregarded the laws governing electronic transfers. Although the theft was initiated through XXXX XXXX, the funds were taken from my Chime banking account. 

I have never withdrew money using cashapp for more than XXXX dollars, which is a clear sign for chime that fraud as took place. 

I was in an unfamiliar city traveling for work when the theft took place. 

I dont have money to spare in the amount of XXXX dollars. 

I have never sent any money or had any affiliation with anyone named XXXX XXXX. Which is the cash app account the money was transferred to fraudulently. 

I have an active investigation and a sworn statement and police report filed that was also provided to chime. 


I think it is clear that chime has violated regulation E of the electronic funds transfer act and have deliberately tried to avoid liability of unauthorized transactions as it written in the law. I plan to take legal action against chime in XXXX XXXXXXXX XXXX XXXX  where their registered agent is should all other avenues be unsuccessful.
Consumer complaint received 2024-01-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mazda Financial Services has made it difficult for me to obtain the full buyout procedure for my lease, making it appear that leasing/buying a new XXXX  vehicle or returning the vehicle are the options accessible to me.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (CA)

I mistakenly over paid my bill - resulting in a credit balance of {$2500.00}. I called to request an immediate refund. I was told the return of my money would take " XXXX business days '' which seems ridiculous. I asked them why such a lengthy delay in returning my money and was told it was their " standard research '' time policy. " Research '' of what? They are holding onto my mistaken payment for XXXX weeks collecting interest- essentially denying me use of my money.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (KY)

This is my NUMEROUS 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 items : XXXX XXXX XXXX, XXXX, KY, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX Balance Owed : {$8100.00}, XXXX XXXX XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I called Experian on XX/XX/2023, XX/XX/2023 and XX/XX/2023 to have incorrect/transposed legal names removed from my Experian credit report. The declined to remove stating they did a reinvestigation according to the 15 USC 1681. 
Under 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my right under 15 USC 1861.

According to 15 U.S.C 1681 section 602 ( A ) states I have a right to privacy.

According to 15 U.S.C 1681 section 602 ( A ) Section 2 also states a consumer reporting agency can not furnish a account without my written instructions According to 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. 
Experian stated over the phone that the information they have is correct as per the " Credit Card '' companies. The only name I provided to my creditors is XXXX XXXX XXXX XXXX which have provided a copy of my SSN card and State Driver License proving my true legal name. 
.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review