davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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: TRANSWORLD SYSTEMS INC (SC)

Transworld Systems Inc responded to my CFPB complaint with insufficient evidence regarding the account XXXX. I instructed this company to verify that I have entered a legally binding consumer credit transaction with Transworld Systems Inc. They have not provided that however they have submitted pdf documents of information they received from another company in which that does not prove XXXX owe XXXX anything. Now according to 15 USC 1692 ( f ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. The document I received violated this law along with 15 USC 1692 ( e ) ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This company has not verified the debt nor can they provide first hand knowledge regarding the account. I have contacted you multiple times to give you a chance to rectify the account in question your willful noncompliance will be considered aggressive and you will be liable in a court of law.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

I made payments on a consumer payment plan or similar.

Somehow a payment was not applied. 

Now I had XXXX accounts with the bank. 

XXXX payment was {$51.00} the other maybe {$34.00}. 

The {$34.00} somehow was not applied and then the account was charged off. 

I made both payments. 
Now I only have XXXX account and it is inactive and they will not say if payment will restore the account.
Consumer complaint received 2023-04-12
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. (MD)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Original Creditor XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

I mailed a check from XXXX XXXX XXXX ( a third party that I used to take out a personal loan to consolidate my credit card debt into that one loan ). This check was mailed on XX/XX/2024 & was for {$1100.00}. I called Barclays XXXX  Mastercard customer service on multiple occasions, once every couple of days to see if they received my check. Every time, the answer was no. Yesterday XXXX, I called XXXX XXXX to see if they could give me a new check to mail because clearly the original was lost. This is when I was informed by XXXX at XXXX XXXX XXXX that this check was cashed/ deposited by Barclays XXXX  Mastercard on XX/XX/2024. The payment has yet to post to my account. I am now facing late fees. Receiving multiple phone calls a day from Barclays because my payment is past due, & my credit score has TANKED. It is usually in the XXXX or above, IT HAS DROPPED TO XXXX AT ONE POINT & IS NOW ONLY IN THE XXXX. XXXX response is that they will investigate, but it will take 1 to 2 billing cycles ( XXXX days ). I then reiterated to them that I am leaving to go on a XXXX Cruise on XX/XX/2024, & I need this card up & running BY THEN, to which their response was well you can make a minimum payment of {$80.00} to get the card activated again & no longer overdue. I am also ending my lease with my current landlord, my lease ends XX/XX/2024, so I can not afford for my credit score to be destroyed by this company when I am actively trying to find a new place to live. Barclays did give me a case ID # which is : XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
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: Experian Information Solutions 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 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 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (VA)

I've reached out to PayPal XXXX times in the last XXXX weeks regarding my inability to add funds to my account from my debit or checking account. Despite being able to perform most other functions, PayPal keeps citing " system '' issues as the reason for the problem. When I inquire about the suspicious activity, they simply refer back to the " system '' and advise me to wait for the account to reset itself, without providing any timeframe for resolution. The customer service team has repeatedly failed to escalate the issue, opting instead for generic responses.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (OH)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reviewing these accounts the information provided below are inaccuracies which are reporting on my consumer report. I have contacted these credit agencies in regards to this information. Nothing has been resolved on their behalf. 

XXXX XXXX XXXX Charge Off : Transunion-Date opened- XX/XX/XXXX Last active- XXXX XXXX-Date opened- XX/XX/XXXX Last active- XXXX XXXX XXXX XXXX  Transunion-Date opened-XXXX Last reportedXXXX Last active-XXXX XXXX-Date opened-XXXX Last reportedXXXX Last active-XXXX XXXX-Date opened- XX/XX/XXXX Last reportedXXXX Last activeXXXXXXXX XXXX XXXX  Transunion-Date opened- XX/XX/XXXX Last active-XXXX XXXX-Date opened- XX/XX/XXXX Last active- XX/XX/XXXX
Consumer complaint received 2021-06-19
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. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

On XX/XX/year> at XXXX AM on CashApp there was {$200.00} borrowed in my name, and on XXXX all of the money ( {$200.00} borrowed + {$260.00} I had in my account ) was withdrawn from my account. This is due to the fact I was having my phone withheld from me and being threatened with XXXX if I didn't " authorize '' it with my pin. I have filed a claim with CashApp 3 times and they refuse to be helpful at all, their explanation on why they denied is " An investigation concluded this was an authorized payment '' and they said it was because of my account/transaction history. All of-which is super vague and NOT AT ALL clear or helpful.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I kept in regular contact with XXXX  XXXX XXXX while having financial hardship to pay my account. A collections representative told me as long as I can pay whatever I am able to pay, I will avoid losing my account. As soon as I got the inheritance money I needed to pay off my debt, I paid it off in full immediately. XXXX  XXXX XXXX immediately closed my account despite our agreement of paying regularly until paid in full. My deal was not honored and I lost my credit card despite being a faithful cardholder for almost three years with no prior delinquency. I spoke to many representatives and filed many complaints regarding this issue. 
I paid off my XXXX  XXXX XXXX Credit Card on XX/XX/2022. My reports state that my account is paid and closed with late payments. I paid off my account in full, not requesting or accepting any discount payout waivers or anything. I even paid every delinquent amount in full. I want the comments to say paid closed never late, or just paid closed with no mention of lateness. There is no reason to punish me on my credit reports for delinquency regarding accounts that are paid in full and no longer open. 
Where is the incentive to be responsible if there is no benefit of paying off my debt but I have seven years of consequence of doing the right thing and spending thousands of dollars by paying off my debts directly with the creditors instead of any third party agency? Please help me remove these negative comments on my closed and paid off accounts.
Consumer complaint received 2023-05-06
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: AFNI INC. (MO)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (CA)

I have had my Cash App account for months and I have deposited and withdrew XXXX of dollars so far yet every time I apply for a card I am denied I have never had a card or done anything wrong to cash app Ive never filed a dispute or challenged anything yet they have continued to limit my features recently they took away my ability to Upload money to my account and have denied all deposits coming in for my friends and loved ones whenever I inquire about this they tell me that they are not able to provide any more information and they close the chat.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (GA)

Funds from a XXXX acct were transferred, XX/XX/XXXX, in error to a PNC account that had been closed several years prior. I called PNC and alerted them of the error on XX/XX/XXXX. I was told by PNC customer service that any transfers to an account that was not valid would automatically be kicked back to the transferrer account ( XXXX ). The funds were never returned to the XXXX account. After more than a week of phone calls and over XXXX hours of phone time with customer service ( XX/XX/XXXX ) ; I was told another dept had the funds and were holding them as they did not know what to do with it. No one with access to my account info with PNC nor myself were ever notified that a dept within PNC was holding the funds and no reason was given for the hold. I was finally able to speak with a manager on XX/XX/XXXX who informed me they would be mailing a check and would take XXXX business days- please note this is an absurd transit time for mailing a check from MI USA to GA USA. On XX/XX/XXXX I called again to obtain tracking info on the mailed check as the XXXX business days had run out and i still had not received the check. PNC customer service told me that now the transit was XXXX days and that nothing could be done and no check could be re-issued until the 15 day window had expired- please note again, this is parcel mail sent via USPS from XXXX MI to XXXX GA, there is absolutely no way it would take XXXX weeks to deliver. Current USPS transit times are XXXX days from MI to GA. I was again told that no tracking # existed ( patently false ). I called XX/XX/XXXX, XXXX, XXXX, XXXX and was denied a tracking # for the original parcel and told that voiding the check that has been missing since XX/XX/XXXX would not be possible.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc. (MD)

This company is erroneously listing an account on my credit report. I've reached out to both the original creditor and credit management with proof this is not mine. It is still listed on my XXXX XXXX XXXX reports. XXXX has deleted the collection after investigation. See attached.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TX)

I HAVE NOTIFIED THE COMPANY TO CEASE ALL COMMUNICATION WITH ME AND THAT I REFUSE TO PAY THE DEBT 15 US CODE 1692 ( C ) ALSO NOTING THAT CEASING ALL COMMUNCATION WITH ME INCLUDING THIRD PARTY COMMUNICATION VIA CONSUMER REPORTING AGENICES AND THAT THEY DELETE ALL INFORMATION. ALSO NOTIFIED THEM THAT THE ORIGINAL CREDIT CHARGE OFF THE DEBT WITH 1099C SO THEY HAVE AUTHORITY TO COLLECT ON DEBT THAT HAS BEEN SATISFIED 15 US CODE 1601
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: The Receivable Management Services LLC (IL)

My personal information was used with out my knowledge to open fraudulent accounts with Receivable Management Account Number XXXX Amount {$1100.00} My personal information was also used at XXXX XXXX XXXX Account Number XXXX Amount {$160.00} XXXX XXXX XXXX Account Number XXXX Amount {$520.00} the listed accounts was opened with out my consent the accounts are fraudulent I never opened these accounts.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I kept in regular contact with XXXX  XXXX XXXX while having financial hardship to pay my account. A collections representative told me as long as I can pay whatever I am able to pay, I will avoid losing my account. As soon as I got the inheritance money I needed to pay off my debt, I paid it off in full immediately. XXXX  XXXX XXXX immediately closed my account despite our agreement of paying regularly until paid in full. My deal was not honored and I lost my credit card despite being a faithful cardholder for almost three years with no prior delinquency. I spoke to many representatives and filed many complaints regarding this issue. 
I paid off my XXXX  XXXX XXXX Credit Card on XX/XX/2022. My reports state that my account is paid and closed with late payments. I paid off my account in full, not requesting or accepting any discount payout waivers or anything. I even paid every delinquent amount in full. I want the comments to say paid closed never late, or just paid closed with no mention of lateness. There is no reason to punish me on my credit reports for delinquency regarding accounts that are paid in full and no longer open. 
Where is the incentive to be responsible if there is no benefit of paying off my debt but I have seven years of consequence of doing the right thing and spending thousands of dollars by paying off my debts directly with the creditors instead of any third party agency? Please help me remove these negative comments on my closed and paid off accounts.
Consumer complaint received 2023-05-06
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: CITIBANK, N.A. (FL)

I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-05-07
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. (NC)

I called LVNV Funding LLC MONTHS ago about this alleged debt, I asked for this alleged debt to be validated and to provide me with the following documents 1. Provide me the original contract bearing my written signature.

2. Purchase Agreement 3. Authorization of law to collect this Alleged Debt 4. Send evidence of authority under 15 USC 1692 ( e ) and 15 USC ( f ) for this alleged debt 5. Send evidence your authorize to do business or operate in North Carolina.

I ask for the following documents but they only send me an account summary. I need this alleged debt remove off my credit report immediately. My rights as a cosumer is being violated! Please ask for the following documents to validate this alleged debt
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AK)

I have been contacted by Resurgence acting for LVNV trying to collect a debt but will not meet the burden of proof for me to verify this account as mine. I need an agreement from the original creditor showing I signed and agreed to open this account. They have not answered my request and I am still being violated.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc. (MN)

my first time sending money through this company. When i initiated the transfer of {$990.00} on XXXX i got an error message indicating my transfer did not go through because my ID needed to be validated. At XXXX on XXXX i got a notification that my ID validation is complete and i can complete the transfer so i proceeded to process the again. On XXXX, noticed that my account was charged twice. I called TapTap Send to inform of the error was told the transfer will be reversed. On XX/XX/12, the reversal was completed and money removed from my sister 's account in XXXX. I have been calling everyday and provided the evidence of the transfer reversal to TapTap Send and was told they are working their partners in XXXX to get back my money back. I have email exchanges from TapTap Send but no refund. All i want is refund of money
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I received a email saying that my last complaint with my information was verified and updated but how is everything verified and updated when I say that the status update of the account hasnt update since XX/XX/XXXX. Im receiving false information. The update status is also incorrect with XXXX XXXX and XXXX says that the status update was XX/XX/XXXX.