davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

Ive sent this company a cease and desist yet, this company has refused to adhere to the federal guidelines. More so, my countless requests have been ignored to resolve this matter. This company has also been found to impose as a collection agency where in fact this company is not legally licensed nor insured to collect in the state of Florida. Please have this company cease all collection activities as this is my last attempt to resolve this outside of court. 

* XXXX has blatantly disregarded my numerous certified dispute letters in regards to this XXXX account which is LVNV FUNDING LLC which is present on my credit profile. I have sent multiple method of validation letters requesting how they verified this debt. Also advising of the irrefutable factual inaccuracies pulled directly from their website. Lastly asking for a contract bearing my signature that I owe LVNV. Yet, to no avail the disputes was closed multiple time with no method of validation toward the validity of the debt. XXXX instead of being in compliance with the FCRA chose to update the inaccuracy instead of deleting said account. This is a clear violation of my civil rights and FCRA guidelines.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been submitting multiple with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Credit Bureau ' send. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

Subject : Account Freeze by Venmo I am writing to lodge a formal complaint against Venmo regarding the unjust freezing of my account and withholding of the amount ( {$1100.00} ). On XX/XX/year>, I attempted to transfer money from my Venmo account to my XXXX  XXXX XXXX account. However, Venmo arbitrarily froze my account under the guise of suspecting potential chargeback requests, despite no such request being initiated or warranted. 

This action was taken without any valid basis or honest belief, leading to the unjust withholding of my funds for a duration of 180 days.
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA (AL)

I was denied a car loan from XXXX. My income is {$1900.00} with my XXXX  as a co-signer. But they still denied me saying I would need a 3rd co-signer which I don't know anybody. So I'm stuck between a rock and a hard place. My XXXX  checked is credit report and it is a good credit score of XXXX and I was still denied. I am being unjustly denied a car loan. I'm getting all these car loan offers for a car loan because my bankruptcy has been discharged for a year now. But they still deny me. They just get me into the dealership to embarrass me. It's because of my race white and my gender being a female and my age.
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I have contacted this company, I monitor my credit with XXXX and discovered that this company was reporting a debt that i had disputed with another debt collection due to the validity of the account. I never had the account, I ask for the representative to give me proof of the account being my own and they sent a bill which when asked for Government Identification that was used to open the account they can not present any. This account reported is not mine.
Consumer complaint received 2024-04-25
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (NY)

Opened account with XXXX and ordered XXXX XXXX, they arrived a month late- which prompted me to just buy 2 new phones at the XXXX XXXX XXXX I cancelled the service within a week because the devices never arrived. Almost 20 days later XXXX showed up with a box containing the devices, which I immediately returned them to XXXX. Proof of XXXX delivery attached. I've called XXXX  over 20 times at this point, and they claim that they will continue to bill me ( and send me to Collections ) until phone are scanned at their warehouse. Latest bill was for over $ XXXX.
Consumer complaint received 2022-11-27
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: TRUIST FINANCIAL CORPORATION (FL)

Truist bank has been wrongfully reporting a inaccurate late payment on my account from 2017. It is negatively affecting my life, credit report, and ability to acquire financing. 

According to the FCRA : 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 : 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mobiloans, LLC (KY)

On XX/XX/2023 I filed a dispute against Mobiloans. On my credit report which at that time they're supposed to stop contacting me until the dispute was resolved. They did not they continued to call me three or four times a day on the XXXX XXXX and XXXX of XX/XX/2023 which is in direct violation of fcra U.S.C-1681.

And should be subject to a {$1000.00} payout because at this point is considered harassment they only stopped contacting me when I contacted their legal team myself to let them know of their violation ... when speaking with them before they claimed because they were a tribal group they were virtually Above the Law and they didn't apply to them. But when it comes to fcra laws they are held accountable
Consumer complaint received 2023-03-03
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. (MO)

In accordance with the Fair Credit Reporting Act 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, 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.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (LA)

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. 

XXXXXXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

my account was hacked and social security card, identification card, birth certificate, and debit cards along with phone was stolen and used to access my accounts and make transactions I didn't know about. I called PayPal and informed them of the problem but was refused access to my Account because my information had been changed and I could no longer verify the account. my money was stolen from XX/XX/2023 until XX/XX/2023 when I was finally able to regain access to my account with the help of a PayPal representative. I filed disputes against the unauthorized charges and they were automatically denied by PayPal without an Investigation I was told by several representatives. PayPal then took. oney from my account After informing me that XXXX cases would be closed I my favor and refunded to my account instead of crediting my account with the amounts PayPal debited the amounts fro. my account bringing my account to a negative balance. again they brought my account into a negative balance after allowing a person to lie and say that I sold the something when I explained to them that XXXX XXXX added his money to my account because theyhaimitatiobz on his account so that he could retrieve his money to use. I was told by several representatives that if I submitted a statement that I had no knowledge of the charges mentioned that I would receive my money back to my account within 3 days I had to submit statements 3 times and still havent received my funds back to my account. I have threatened to sue the company for funds they stole from me and the funds theyve failed to replace which is supposed to be FDIC insured they just placed a limitation to my account and deleted all messages between us that had anything to do with my complaints against them they made emails and messages disappear and stopped my ability to screen shot transactions I question. they failed to respond to me in a timely manner. at the same time my fiance account was hacked and take over they made sure to return his funds without any questions or requirements that they said were necessary to receive stolen funds I feel I have been immensely discriminated against as XXXX XXXX  XXXX  in XXXX by the company I requested information to file suit and was denied information stating they didn't have access to any corporate information. they once again denied me any funding return after no investigation after removing limitation to my account.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-11-21
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. (IL)

This is my other 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 XXXX  XXXX XXXX Balance : {$120.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2022-11-21
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)

This is my other 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 XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; CXXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Transaction through XXXX retailer XXXX XXXX in XXXX XXXX NY. 

XX/XX/2024 -charged {$550.00} to my Capital One credit card. 

FRAUDULENT CHARGE THAT I DID NOT APPROVE. had to cancel card and change card bc of possible identity theft. 

Capital One refunded the amount and then now on XX/XX/2024, I have just noticed on my credit account, THEY RE CHARGED THAT AMOUNT! It was a fraudulent charge that I did not approve!! They did their investigation and obviously not a very good one. XXXX retailer is at wrong too! They never answered phone calls. They gave the products according to the XXXX account at curbside pickup and they went against their policy of giving items to curbside pickup without proper identification!!!
Consumer complaint received 2022-11-21
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. (TX)

According to my research about FCRA XXXX, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX 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 2021-03-18
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX  on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )
Consumer complaint received 2021-01-11
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. (NJ)

I recently ran my credit report and saw incorrect information reported by XXXX XXXX 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.
Consumer complaint received 2023-07-19
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)

I complained about EQUIFAX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  and stated that all companies are violating my rights to privacy, including transaction history, reporting inaccurate and outdated information such as old addresses, phone numbers, emails and employers. I have inquiries that I did not authorize, there was no permissible purpose. The banks have violated my consumer rights by sharing my non public information with non affiliated companies such as credit reporting agencies. ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. 
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX  XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$27000.00} TransUnion : XXXX  XXXX  XXXX Balance : {$28000.00}
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (AZ)

I made a purchase online with XXXX XXXX in the amount of {$280.00}, on XX/XX/2021. I then made a payment of {$160.00} that posted on XX/XX/2021. On XX/XX/2021 a Finance Charge of {$3.00} was applied. On XX/XX/2021 a refund for a partial return in the amount of {$110.00} posted back to my account, which left a remaining balance of {$7.00}. That balance was paid on XX/XX/2021, prior to the billing cycle ending. So, at that point the account was paid in full. On XX/XX/2021 a Minimum Interest Charge of {$2.00} was applied to my account, although there was no balance it could be applied to, since the previous balance was paid prior to the end of the previous billing cycle. I contacted Comenity via their internal online Secure Message Center on XX/XX/2021 and the rep refused to remove the incorrectly charged fee. That fee is now in dispute with Comenity.