davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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: Resurgent Capital Services L.P. (NJ)

I have recently checked my credit report and have realized that LVNV FUNDING LLC has put a collection account on my credit report and is reporting a past due balance and late payments onto my credit report. In the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. LVNV FUNDING has marked my this account as a late payment on each and every one of those months. This account can not report late payments on my credit report. Last time I checked I didn't have an established due date with this collection therefore how can there be multiple late payments. I have NEVER AGREED to pay this collection. We never signed a contract or a verbal agreement ever. If you dont have a contract or have received an application from me and have not approved me for credit you can not assign me a due date nor a late payment or a past due balance. 
This is a violation of the FAIR DEBT COLLECTIONS PRACTICE ACT- section 807 violation misleading false reporting.
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Lack of Response from Portfolio Recovery Associates LLC On XX/XX/XXXX I sent certified correspondence asking the above company to Authenticate the several debts they say I owe them. In the letters I requested Portfolio Recovery Associates LLC to fill out Affidavit of Authenticity on each account they sent me which the amounts are {$630.00}, {$720.00} and {$720.00}. Instead of Portfolio Recovery Associates LLC doing so. The company sent me a letter saying they validated those debts without Authenticating. 
With identity theft at a all time high. Asking Portfolio Recovery Associates LLC to sign a Affidavit of Authenticity and have it Notarized should not be a problem if it were my debts. It is XX/XX/2022 and this company still have these debts on my credit files.
Consumer complaint received 2022-05-20
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. (GA)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (GA)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (GA)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NJ)

Not sure if this is legit but it seemed very strange and needed to report it just in case.On XX/XX/XXXX, I had received a phone call from XXXX XXXX (? ) from a " Credit Management LP '' company out of Texas # XXXX They requested that I verify who I was before stating the nature of the phone call. They had asked me to Verify my address, it was an address from a different state with the incorrect spelling of my name.They stated I owed {$250.00} for XXXX XXXX in Georgia. Not sure if they were legit or not, but did verity information. They did have the last 4 digits of my Social Security, but did not give them anything else. I never had an account with XXXX XXXX. They then transferred me to XXXX and spoke with XXXX, XXXX. Went through the account with me when it was opened and closed. The account opened XX/XX/XXXX until XX/XX/XXXX. Again I never lived in the state the account was held in. He sent me a fraud form to fill out but it required a copy of my license. I will not give that out.
Consumer complaint received 2022-05-20
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. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$4600.00} Date Opened : XX/XX/2018
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Refer to our prior complaints XXXX, XXXX, XXXX. 
We have unresolved issues relating to the situation described ad nauseam in those complaints ( and in repeated emails to XXXX XXXX  XXXX CEO and other senior BOA executives ). 
We've made many unsuccessful attempts today ( XXXX ) and on several previous occasions to communicate with XXXX XXXX of XXXX Regulatory Complaints Dept. at the number/extension provided in her correspondence - XXXX x XXXX. The toll-free number connects to a recorded voice which asks for a six-digit extension ; when an extension is dialed, nothing happens - the recording continues to ask for an extension. This has been the case consistently over the past week or more. The recording provides no live agent option or other option ; the call eventually disconnects. XXXX XXXX was unable to provide us with an email or postal address. 
Other BOA so-called " customer service '' lines ( what a misnomer!! ) lines are no help - BOA management has thoroughly siloed each individual so that each individual lacks even the basic ability to transfer a call or relay a message to another. 
It is our considered opinion that BOA " customer service '' as a whole is to a very large extent a consciously constructed, elaborate sham which senior corporate management has deliberately designed to incorporate blind alleys and other devices for the purpose of encouraging customers with issues to simply give up and go away.
Consumer complaint received 2022-05-20
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. (PA)

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. 

1. XXXX XXXX, Account Number : XXXX, has violated my rights. 
2. XXXX XXXX, Account Number : XXXX, has violated my rights. 
3. XXXX XXXX, Account Number : XXXX, has violated my rights. 
4. XXXX, Account Number : XXXX, has violated my rights. 
5. XXXX XXXX, Account Number : XXXX, has violated my rights. 
6. XXXX, Account Number : XXXX, has violated my rights. 
7. XXXX XXXX, Account Number : XXXX, has violated my rights. 
8. XXXX XXXX, Account Number : XXXX, has violated my rights. 
9. XXXX XXXX, Account Number : 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 2022-05-20
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. (PA)

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. 

1. XXXX XXXX, Account Number : XXXX, has violated my rights. 
2. XXXX XXXX, Account Number : XXXX, has violated my rights. 
3. XXXX XXXX, Account Number : XXXX, has violated my rights. 
4. XXXX, Account Number : XXXX, has violated my rights. 
5. XXXX XXXX, Account Number : XXXX, has violated my rights. 
6. XXXX, Account Number : XXXX, has violated my rights. 
7. XXXX XXXX, Account Number : XXXX, has violated my rights. 
8. XXXX XXXX, Account Number : XXXX, has violated my rights. 
9. XXXX XXXX, Account Number : 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 2022-12-17
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. (OR)

To whom it may concern, after sending out multiple letters to the credit reporting agencies XXXX, XXXX and Experian have continued to violate my rights as a consumer and have failed to provide me with any valid documentation regarding negative inaccurate reporting and accounts they have been placing on my consumer report. 

A proper investigation has not been done after many attempts to remedy the situation and inaccurate reporting such as the date reported, last active dates, balance amounts and payment history continues to be reflected on my credit reports due to the CRA 's lack of professionalism and honesty in reporting. I have never been given any proof or valid documentation by the CRA 's to show that an actual investigation on my credit reports have been made, after consistently asking them trough writing for a proof of their claims. 

NOTHING WAS SENT TO ME! 

In accordance with the Fair Credit Reporting act acct # 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 as a consumer. 15 USC 1681 section 602 A states that I have the right to privacy. Also 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. My rights are being violated and this needs to stop immediately!
Consumer complaint received 2024-02-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX Last Four of XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Collection Account on Credit Report Dear Consumer Financial Protection Bureau , I am reaching out to formally dispute the collection account on my credit report, specifically reported by ( CREDENCE RESOURCE MANAGE with a balance of {$270.00} ). My concern lies in the potential violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly under 12 CFR 1006.34. 

I would like to draw your attention to the following issues : 1. Failure to Provide Validation Information : XXXXXXXX XXXX XXXXXXXX, as per 12 CFR 1006.34 ( b ) ( 5 ), has neglected to furnish the necessary validation information despite adding a collection entry to my consumer report. I kindly request your assistance in encouraging them to provide the required validation information for the disputed account. 
2. Denial of Dispute Opportunity : I have not been granted the opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is crucial that I am afforded my right to dispute the accuracy of the reported information. 
3. Violation of Consumer Rights : There are allegations that XXXXXXXX XXXX XXXXXXXX may be in violation of my consumer rights by engaging in false, misleading, misrepresentation, and deceptive practices. I seek your assistance in prompting them to cease such actions immediately and adhere to the guidelines set forth by the FDCPA. 
4. Failure to Provide Disclosures : The agency seems to be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) by providing the account to consumer reporting agencies without the necessary disclosures required by law. I request your support in urging them to rectify this violation promptly. 

I kindly request the Consumer Financial Protection Bureau to investigate the disputed account, encourage XXXXXXXX XXXX XXXXXXXX to provide the validation information required by law, and promptly address any inaccuracies on my credit report. 

I appreciate your attention to this matter and request that you keep me informed of any actions taken. Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, Basically I am an XXXXXXXX XXXX XXXX Now I am starting my own website. After that I planned to make fund raising XXXX in my website. But all payment platforms asking paypal account. That's why I had open paypal 3 days before. But after adding my Bank & card personal details to complete all process. 

Suddenly I got message like ( You can no longer to use paypal. Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for XXXX days, after which well send you an email with instructions about withdrawing your funds. ) Just Think about it, I am not doing anything. I am not send or receive any illegal money tranfer. Then why they doing like this, I don't know. After 2 days I had tried hardly to speak & message with paypal support team. But there is no response. 

Finally I am planning to delete my bank details & create new account. But they are not allowed to access our own personal setting details. How they can hold our details without our permission. 

Reference ID : XXXX Paypal username - XXXX XXXX
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (CA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NH)

I have made several attempts to obtain my free annual credit report from Experian.com, yet every time I did this an error was reported. XXXX also reported an error. 

On Wednesday, XXXX XXXX I was able to get through to customer service and speak with a human. I was told my account was locked and I needed to call back in 48 hours and speak with a specialist directly as I was unable to guess the 4 digit pin on my account. I would not be able to use the website or automated system until this issue was resolved. 

On XXXX XXXX, after waiting 48 hours, I called Experian 5 times. Each time a person answered to ask how to direct my call. I explained the problem and begged to talk to a person. Each time I was transferred to an automated system that could not help me and eventually the system disconnected the call. 

I also reached out to Experian on XXXX DMs. I was told to use XXXX. Obviously I had already tried this and it did not work. 

Experian is keeping me free credit report from me due to their incompetence.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

IT'S BEEN MORE THAN 30 DAYS AND STILL NO UPDATE TO MY CREDIT REPORTING. PLEASE SEE THE ATTACHED DOCUMENT ; 2ND TO LAST PARAGRAPH. PLEASE UPDATE ASAP.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (TN)

On three separate occasions account holder attempted to close his Truist personal checking account. Each time Truist reopened the account without authorization by account holder in order to cover debit requests from a credit card company. Account holder made up the deficit twice and write a letter to instruct Truist not to reopen the account. Finally, on the third time account was reopened account holder refused to cover the deficit caused by the unauthorized reopening of the account. Account holder is now receiving collection letters for the negative balance.
Consumer complaint received 2019-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DC)

From XX/XX/XXXX-XX/XX/XXXX of 2019, I was overcharged by Venmo for unauthorized charges. I have attempted to contact Venmo on multiple occasions. I have filled disputes with them, and they have denied the claims. In their last email response to me on XX/XX/XXXX, they stated " After re-investigating the account, we are still unable to honor this claim because when you first filed this claim, you stated the transactions were unauthorized and you did not authorize any of these payments to the merchant and also had your debit card closed and answered the questionnaire for unauthorized transactions. These are steps that are taken anytime an unauthorized transaction is reported. Now you are stating the transactions were authorized but have since either been canceled or you have not received the items. Based on the inconsistent information provided throughout this case, we are still unable to honor this claim. '' They are refusing to fully investigate my claim because they are stating that I changed my story/reason for the overcharges. This is not accurate. The Venmo represented who filed the claim, after listening to me explain what happened, suggested that I frame the claim that way. I did only what the Venmo representative suggested. Further, when I called back to Venmo, the agent stated that " I do not know why the denied the claim. It seems they coded it wrong in the system, I will send them a note. '' A day letter, they denied the claim again. 

This issue started when I got a Venmo debit card. The way the card works, if I charge on the card {$18.00} for gas, Venmo will round up and take {$20.00} out of your account and put the balance in your Venmo balance. 

BetweenXX/XX/XXXX-XX/XX/XXXX, I used the card extensively to track my business purchases ( at least 500 transactions, if not more ). When I used the card to book rideshare rides with ( XXXX, XXXX, XXXX ) those merchants pre-authorize your card for the estimated cost. So if I booked a ride with XXXX, they would say the cost is going to be {$6.00} and they would preauthorize this on the card. Venmo would then take {$10.00} out of my account immediately. However, if I canceled the ride or didn't take the ride for some reason, the money has already been pulled out of my account, but it wasn't put back into the wallet. 

THis happened to me on numerous occasions. I documented all of the times I was overcharged and attempted to file a claim for reimbursement. As of today, I can not use my Venmo card and I owe them for the provisional credits that they gave me. 



Their team has been incredibly unhelpful, and I need your assistance.
Consumer complaint received 2022-12-17
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. (NY)

I recognized your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. Please this time remove the items that are inaccurate on my report. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXBalance : {$110.00}