davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (CT)

XXXX this XXXX XXXX have been disputed numerous times with EXPERIAN and yet now still here we are over 105 days later it's still showing up on my Credit Report under a name XXXX XXXX which is also on my Credit Report! I've told them numerous times to REMOVE THEM BOTH filed numerous disputes and EXPERIAN ignored them! Who has a dispute investigation for over 3 months which they have on RECORD that I disputed them! By law it's only supposed to be 30 days but yet it's still there like if my life and family life is a joke. I'm also suing them and took legal actions against them for this it doesn't make sense so maybe they'll understand now. Please have them remove it immediately, they want me to wait another 45 days when I've waited over 105 days. XXXX got my score at XXXX OUTSTANDING
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

On XX/XX/XXXX, I was asked to pay someone XXXX dollar and I put it through " goods and services ' and then they gave me the money back because they wanted it through friends and family. Venmo went ahead and suspended by account for 180 days. 

I reached out to them and they have a very murky and difficult system, every response was a form letter that they are holding my XXXX dollars for 180 days. 

It's been 180 days. 

I had been saving for my kids XXXX presents in the app and it totally messed up my ability to get them presents. let me be clear. I did nothing wrong and have never ever stolen anything or scammed anyone in my whole life. 

Venmo regarding request # XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Account name XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance : {$12000.00} On XX/XX/XXXX I asked Experian to investigate this debt on my credit as it was paid off for the agreed amount of {$6000.00}, on XX/XX/XXXX, with the agreement by XXXX that this would be removed from my credit. On XX/XX/XXXX, experian provided my dispute results as updated with no proper investigation done regarding this account. This creditor agreed to remove this item from my report upon payment in XX/XX/XXXX, yet it is still reporting negatively which is causing me great deal of financial hardship. 

In accordance with the fair credit reporting act, section 1681i, I kindly ask that you reinvestigate this item and delete it from my report.
Consumer complaint received 2023-02-13
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: Resurgent Capital Services L.P. (GA)

XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. XXXX notified me " XXXX XXXXXXXX XXXX-UPDATED. '' Errors still exist on my credit report when I never had any creditor relationship with Original Creditor Name XXXX XXXX XXXX XXXX XXXX A nor XXXX XXXX XXXX XXXX I assert that XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  was ever my original creditor. XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX  as my original creditor because I never had any creditor relationship with XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX failed to produce any documented evidence of how LVNV FUNDING, a Type Derogatory, Collection, or a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX. LVNV FUNDING is listed on my credit report for a Collection balance owed for a debt to Original Creditor as XXXX CXXXX XXXX XXXX XXXX XXXX  Also known as XXXX XXXXXXXX BANK NA as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and LVNV FUNDING remains in direct violation of The Fair Debt Collection Practices Act. Updated and modified information is inaccurate, incorrect, and false. Without establishing an Original Creditor Relationship and a Contractual Agreement containing my signature, it would be impossible to verify any such Type of Derogatory, open, closed, charge-off, default, collection, balance, or amount due, etc.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2023, Midland Credit Management, XXXX XXXX XXXX, contacted my husband via phone and gave him all account information even though not listed on the account. He was given credit card company names, amounts owed and told that if I do not contact them that they would sue me and garnish my wages. I write this complaint because the law states : " Collection agencies and other debt collectors may only call or write to you on a reasonable schedule. Constant phone calls and mailings are considered harassing under FDCPA stipulations. Likewise, debt collectors can only contact friends, family members, or employers once, and only then if it is an effort to verify contact information or to verify employment. 

Collectors that contact a third party, like a friend, family member, or employer, can not share any information about the debt with that third party. This includes restrictions that prevent debt collectors to disclose any information that informs the third party that the communication is related to debt collection efforts. "
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened a checking account with Capital One. I followed all instructions to open the account. I used the mobile app to deposit a check. The check was under the daily deposit maximum. Capital One took about a week to clear the check. They took the funds from the issuer 's account and put it in my account. Now, they will not release the funds to me, because they say that can't " verify '' it. I have complied with all things that XXXX has asked of me, but they are not taking any reasonable measures to resolve this issue. They said that they needed to have the name and contact information of the person that issued the check, and I provided that. Also, the information is on the check that was presented. And, they were able to look up the webpage of the issuer and see office hours. They said they would call and verify the check. They have, so far, not done that. I have spent more than 8 hours on the customer service with them. I was told that for example, they tried to call and the phone disconnected, so they weren't able to speak with the issuer. They told me that if they are unable to reach the issuer, they don't try again. They simply wait for me to call and for me to ask again. However, the issuer has reported to me that he has not had a received or missed call from Capital One. I can't resolve this issue by myself. Capital One has to participate in resolving this issue. Capital One doesn't get to just keep my money.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-12-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (ID)

Robocalls started on XX/XX/23 and initial voicemail was left with little information on who was calling. If I answer the call, I just get a recorded message, the same as what is left on the voicemails : " This is receivables management partners LLC calling. This is a call from a debt collector. Please call us back at XXXX. Thank you and have a great day. '' The number they are calling from continues to change and is not the same as the number they tell me to call back. They call once a week and leave a voicemail and recently, the voicemail has indicated they are from Receivable Management Partners. I have not received any mail indicating my rights or what the debt might be. 

I don't believe I have any debts to be collected on, so I assume it is a scam. I am afraid to call the number as they may try to rope me into paying a debt that is not mine.
Consumer complaint received 2023-04-18
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: Westlake Services, LLC (WV)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (TX)

Hello I applied for a Paypal credit card on XX/XX/2018 and I called and I was told by a supervisor that I was gon na get a letter and they emailed it to me and the letter said they need some paperwork and proof of Id and etc and have it notarized which I did and I fax it to synchrony bank and I called and ask for supervisor and and ask her if she received the paperwork and she said we dont accept fax and we dont ask customers to do that and she was very rude to me and told me to wait for a letter 7-10 but I already got the letter through my email and so far I havent got a decision yet
Consumer complaint received 2023-10-04
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: MOHELA (FL)

My credit report is showing late payments to XXXX XXXX  XXXX, XXXX XXXX  XXXX, and MOHELA/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yield Solutions Group, LLC (VA)

I refinanced my auto loan via REFIJET/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX disbursed funds via ach to REFIJET to disburse to my previous lender on XXXX, which REFIJET received on the same day XXXX. 

Today is XX/XX/19 ( 11 days since they received said funds to complete the transaction ) and REFIJET still has not disbursed funds to payoff my previous loan, causing me to lose money in interest roughly ( {$22.00} a day ) on two open auto loans while RefiJet holds the XXXX in their account to collect interest ( this is a clear violation of Unfair, deceptive, and abusive acts and practices ( UDAPP ) by withholding disbursement to enrich themselves. 

I called REFIJET today XX/XX/19 asking why is it taking this long - their response was it takes time to process a check, really... 11 days?!?!? 

Once again a clear disregard of UDAPP regulations which were created to stop this nonsense from financial entities. 

I want a refund of the interest I've loss from both open loans since XXXX, due to Refijet holding MY money and not disbursing in violation of UDAPP.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) 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 : states a consumer reporting agency can not furnish an account without my written instructions. XXXX, XXXX, Experian, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ), XXXX and/or any other private/public sector credit agency/bureau written consent or instruction to furnish said reporting. 

15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-18
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: ALLY FINANCIAL INC. (WV)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-10-06
Product: Credit reporting 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-06
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 (FL)

the bank i use is chime the accounts i had where checking/savings and a secured credit card which i was using to build my credit the majority of charges were made with the credit card totaling XXXX and a few XXXX on the checking debit card i had {$6000.00} in my account on XX/XX/2023 i was robbed. my cellphone and wallet was stolen and i was brought to the hospital where i have hospital records showing i was in the hospital at the time of these charges. also i have a police report for the robbery. 

when my girlfriend picked me up from the hospital i used her phone to quickly turn off the cards but over {$3000.00} was already stolen. when i tried disputing the charges i was immediately denied. i didn't have the supporting documents at that time. so i got the detective working on the case to provide me his badge number and the case number and i provided that to chime as well as the hospital records showing that i was admitted during the time of the illegal transactions. 

that money i was saving up to move and i was supposed to move a couple weeks later on XX/XX/XXXX but now i cant and am being evicted so i am about to be homeless i don't know what i am supposed to do i have a police report of the theft and hospital records showing i was admitted during the time of these charges which were done at major retailers like XXXX and XXXX XXXX  where i know there are cameras to show i didn't make these charges. i didn't give anyone my pin this was a credit card that just has to be swiped. so im a victim of criminal fraud with supporting documentation and im still being denied please please please someone help me i am literally going to be homeless in a couple weeks because i cant pay my rent and i was already at the end of my lease at my current apartment and was going to pay first last and security at my new place XX/XX/XXXX so i am being evicted and i am going to be homeless please tell me why i am not FDIC insured against this type of clearcut fraud i did nothing wrong here i am a victim and i thought banks were supposed to help you in these circumstances the case number from XXXX XXXX police department investigating the case is : XXXX the detectives name is XXXX XXXX and his number is XXXX please help me
Consumer complaint received 2023-10-06
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. (NY)

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 : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 XXXX 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.