davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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. (FL)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. XXXX XXXX Late Payment {$920.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$75.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection {$78.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$730.00} XXXX XXXX XXXX Charge-off {$630.00}
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

Paypal credit card is holding funds for long periods of time after payment is made. Payment of XXXX was made on XX/XX/XXXX and funds will not be released until XX/XX/XXXX because the " system '' declared it unusual. When I talked to paypal they said i should just make the minimum payment. XXXX dollar credit limit does not go far in todays world and when the card is bricked for over half a month because i payed it off like a good credit user i am being punished. They are holding XXXX of my money hostage and using it for their own gain. Last month in XXXX they did about the same thing and held money for 10 days after paying off the card once using it. To sum up paypal is holding payments and basically shutting down my card because im buying things and paying them off.
Consumer complaint received 2023-07-14
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. (NJ)

I checked my consumer report and saw that XXXX  XXXX is reporting a fraudulent account on my report with a balance of {$5200.00}. I DO NOT HAVE A CREDIT CARD WITH THIS COMPANY. I have reported to TRANSUNION, XXXX XXXX And the information came back verified. After my careful review, i have determined that neither company has accurately verified this fraudulent information because the information is not reporting accurately so that means a proper investigation has not been done. Due to FCRA i am entitled to a fair and equitable consumer report and this is not fair to me. I try to stay on top of my credit and this fraudulent account is hurting me.
Consumer complaint received 2023-11-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (FL)

As you can see from the attached documents, this account has been paid and as requested and state by the company should be deleted from my credit report on all 3 reporting agencies. As you can also see, it has not been deleted and additionally will be reporting until XX/XX/2028! This is exorbitant and malicious abuse that will continue to hurt my credit and my ability to achieve my inalienable rights. Why the additional punish of 4 years? Plus, I recently came back to XXXX as a customer! They were most unhelpful. Please have them remove this negative reporting. 
Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (FL)

I have received a few phone calls from Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX Online Phone number is XXXX Asking if I have a debt or have cosigned a debt with XXXX ( I have never owned, financed or cosigned anything with XXXX ). I have not Financed a cars since XXXX  and it through XXXX. I have never cosigned for anyone ever. 

They start out asking that I verify my birthday to see if the debt is mine- I have arugued that tehy are not supposed to ask for Non Public Information ( NPI ) over the phone the that it is my understanding that all requests fro NPI is to made by mail. 

I told this to the rep and stated that it seems that they are Phishing for info and the rep states that they must verify my identity in order to send me or provide me any info on the debt - such as when it was opened, for how much, the status and amount owed now. 

Upon giving me an address in XXXX he tells me that I can not go to the office they only deal over the phone. 

I did look them up online and appears this complaint is very common if it was in fact truly the same company. 

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX MAIL Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX The XXXX address provided when I looked up on USPS does not exist XXXX XXXX XXXX XXXX XXXX, FL XXXX Also, I did just pull my credit report today at XXXX and verified not only that I have no debt to XXXX but also that I have no inquiries with XXXX
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (VA)

On Sunday evening, XX/XX/XXXX, I did a Zelle Money Transfer from a checking account at XXXX XXXX XXXX XXXX ( XXXX  ) to my gardener 's account to pay for work he had done during the week. I originally tried to send {$1700.00}, but the XXXX rules limit the daily amount to {$1500.00}, and I received notice to contact the Zelle XXXX at XXXX in order to verify that I wanted to continue with the transfer. I had a very informative discussion with XXXX personnel. They confirmed that the transfer of {$1500.00} would proceed and that the funds would be received by my gardener 's Zelle account within 3 business days. The {$1500.00} was debited from my checking account on XXXX XXXX  XX/XX/XXXX. By close of business on XXXX XX/XX/XXXX, the money had not be deposited to my gardener 's account, but he has received a notice that the transfer is " under review '' and the funds will not be available until XX/XX/XXXX. I know he has called his bank ( XXXX XXXX  XXXX and its customer service representative was unable to give an explanation for the delay, saying the delay was with the Zelle system. On XX/XX/XXXX, I called Zelle XXXX and talked to a customer support person. I was told that he could not provide any information on the status of the money transfer because Zelle doesn't keep any personal info and we need to contact our bankers. We're in a circular do-loop now. 

Zelle seems to be a black box that takes money in at one point and releases it at another point, but the money can't be tracker or accounted for during the transfer. The banks claim that Zelle is the " problem, '' but no one at Zelle could tell me what Zelle does to review the transfer or why it would take over a week to place the money in my gardener 's bank account. Zelle is not providing the advertised quick transfer service and it is making money on the delay in moving the funds. There is something fundamentally wrong here.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Formal Complaint Against TransUnion - Data Breach, Inaccurate Reporting, and Violations of FCRA and FDCPA Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TransUnion regarding serious issues that have arisen from their handling of my personal information and credit reporting. 

Firstly, I discovered that my sensitive information was compromised in a data breach, and it is now circulating on the dark web, exposing me to potential harm. Despite this, TransUnion has failed to adequately address the fallout from the breach. 

Additionally, TransUnion is reporting inaccurate and incomplete information on my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has not only damaged my credit score but has also violated my rights as a consumer. 

I believe these actions by TransUnion are not only negligent but also malicious. As a result, I am seeking compensation for the damages incurred due to their fraudulent activity and violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions against TransUnion to ensure consumer protection and hold them accountable for their actions. 

Thank you for your attention to this matter. 
God bless. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XXXX, the app Venmo locked my account for investigation, they claimed my funds were illegitimate when they are a from a crypto program that THEY offer to use on the app itself. I received over {$1000.00} of crypto on my account, and they are holding my money refusing to withdraw it to me, while also freezing my account. I just want my money now, and Ill stop using the app Venmo forever.
Consumer complaint received 2024-03-12
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-12-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

XXXX credit report viewed on website and disputed the validity of fake debts I have in past as they cant provide me wet signature to prove it was ever mine but XXXX XXXX XXXX XXXX are listed presently as two separate neg debts making any potential creditor believe I am owing two different debts when its same evidence by my screenshot showing both same account numbers. My score is suffering and fico and although I disputed u was supposed to get new car and this is going to drastically affect my finance rate and charges i am now offered. Im so mad this is super illegal to misrepresent the same debt as two separate one knowing I less likely to ever get approved with more debt ofc
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Report Act XXXX, Account : 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 an account without my written instructions.

This account a fraudulent account, I don't owe this company.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

On XX/XX/XXXXXXXX  I made a request to my service provider, Nelnet, to request a refund for the payments I made during the COVID forbearance. I was told it could take up to 90 days. I had found out I qualify for PSLF and getting the refund prior to XX/XX/XXXX would allow me to consolidate the student loans and apply for an income driven repayment program and one time IDR waiver/adjustment. However, after speaking with Nelnet on XX/XX/XXXX, the service representative informed me that it could take up to a year for them to process the refund, the accounting department has no timeline for when it will be done, and if it is not processed until XXXX, it wouldnt be subject to the one time adjustment and I would have to take that up with the department of education. The amount they owe me is XXXX XXXX Please help.
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, 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. (FL)

XXXX XXXX was suppose to be a pre approval but it was a hard inquiry. 
Transunion has a hard inquiry on my credit report. There shouldnt be a hard inquiry on my credit report.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

My account was not available to be addressed until  Navient  transferred my account to  XXXX   XXXX   XXXX  a month after the original default date. I was not able to have any questions answered by either  Navient  or  XXXX  during this time. The customer service agent I have been assigned to  ( and there is no other agent available ) is extremely rude and disrespectful and said that he would hang  up on me. On the day that I was able to fax my information in to create a repayment plan, the obstacles that  XXXX  representatives posed were completely unreasonable. They did not give all the information that I needed and told me that there was no way that my account could be serviced fully on that day as " everyone had already gone home ''. This was a lie. After faxing my information TWICE ( once in the morning and once in the afternoon ) and having calle  XXXX  over  ten  times that day to speak to the supervisor  XXXX   XXXX   XXXX , we finally got our agreement made with a different supervisor (  XXXX   XXXX  who had told us that our cause was essentially hopeless. It seems as though we have to ask the right questions to get the answers that we needed and they were completely unhelpful. We believe it was their goal to have us become disheartened after how difficult they made the process so that we would give up and then have to be responsible for more fees and a 24.34 % interest rate hike on my account. They sent me the paperwork for the account in an undated envelope that was past the five day window required by law, and when I called them to discuss it on the  XXXX  of  XXXX , I could not reach anyone during their business hours. I called  16  times. I called today  XXXX   XXXX   XXXX ,   XXXX   ) to confirm that  XXXX  had recieved my borrower repayment agreement, and twice I could not reach anyone. Only when I called from my husband 's phone  XXXX  the supervisor told me previously that they know immediately who is calling as a screen pops up and gives them all the information of the " client '' whenever I call  )  did they answer me. They behave in a ridiculously unethical manner and should be shut down.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (FL)

experian report # XXXX, on XX/XX/2023 dispute XXXX, please remove this account. under federal law you had 30 days to complete your reinvestigation and youve failed to comply with FAIR DEBT COLLECTION PROTECTION ACT. THIS ACCOUNT WAS ALSO REMOVED FROM XXXX PLEASE REMOVE THIS INNACURACY.
Consumer complaint received 2023-09-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

This loan company called ComenityXXXX XXXX XXXX me XXXX times a day every day. I've spoken to them and this debt is not technically mine, this debt is a physician 's debt, XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to refund the loan and now they are coming after me to repay the loan even though I did not receive all the services this medical load was used to pay for.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Back on XX/XX/2023, I received an overdraft letter from Capital One 360 stating there wasn't enough money available in my account to cover the payment. Copy of letter included in document attached. The check was to cover by electric, water and trash collection for the month of {$170.00} with my town of XXXX XXXX  also attached. I wound up paying a agreed upon {$30.00} charge, as indicated in my document. 

The issue at hand is that on my call to Capital One 360 on XX/XX/2023 first by a customer service Representative that I no longer had the {$1000.00} overdraft. I explained that I had never received any notice that it had been canceled. I then asked for her supervisor. A lady by the first name of XXXX came on she said she was part of the Management team to help me. I explained once again that I had never received any notice of cancelation. She said it would have been by e mail not first-class letter. I said repeatedly I never received either to the best of my knowledge and you should reimburse me for the {$30.00}. They could not even give me date of the e mail just no transparency. Sure, my error in not having the full {$170.00} in my account. It's not fair. The only other time I have had an overdraft in my life is 9 years ago when I was in the hospital for one week and by overdraft was covered at that time. I take my bills seriously I have XXXX credit score with XXXX XXXX, I'm not a dead beat. A large banking company should at least tell me with proof I had gotten notice of this cancelation. I'm my humble opinion at least send letter of cancellationnot in an e mail which like I said I had no record of.
Consumer complaint received 2023-04-23
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. (FL)

In accordance with the Fair Credit Report Act 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 an account without my written instructions. 

This is a fraudulent account ; I did not open any account with this creditor.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (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. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX/DEPT OF ED Account number XXXX, has violated my rights. 
Account name XXXX XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

Account name WF CRD SVC Account number XXXX, has violated my rights. 

Account name XXXXXXXX XXXX  XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXX Account number XXXX XXXX has violated my rights. 

XXXX Account number 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.