davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OH)

See previous complaint submitted against PayPal. I have obtained more evidence from XXXX XXXX. A transaction of {$79.00} thru PayPal was disputed, requesting a {$53.00} credit. PayPal claims that I did not have a bank account associated with the account. So what? Their website allows ONE form of payment, which was XXXX XXXX. If that was a problem, maybe I should redesign their website. Anyways, the transaction was disputed with both PayPal and XXXX XXXX, which is perfectly legal. XXXX XXXX issued a credit of {$53.00}. However, PayPal closed the dispute and charged the amount to my PayPal account. See enclosed documentation from XXXX XXXX, which confirms a credit of {$53.00} was issued. The dispute was closed in my favor. However, XXXX XXXX ( who is afraid to provide contact info ) falsely claimed that XXXX XXXX sided with the merchant. Obviously, the documentation shows otherwise. We have two billion dollar companies - PayPal and XXXX XXXX - who mixed up the transfer of {$53.00}. Now, PayPal is trying to charge my account. I attempted to call PayPal from the number provided by XXXX XXXX from PayPal 's response to CFPB, but the representative informed me it was an attempt to collect a debt. Per XXXX XXXX 's response to CFPB, debt collections were to stop. Thank you XXXX for providing proof to a federal agency that PayPal is using tactics to violate the Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

To whom it may concern, I have sent several time stamped letters to this company requesting my original signed contract that I owe this debt, each time I am just sent back some kind of statement that they claim is mine. Recently when I sent the last request for validation, I received a letter in return that they will no longer be conducting another investigation of my dispute, and stated they will no longer respond to me when the information I have actually requested has not been provided. I would like my original contract binding my signature proving that I owe this debt that they are reporting on my credit. They are also calling from several different numbers on my phone through out the day, Im sure this is a violation of my credit rights.
Consumer complaint received 2020-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

Contacted company on XX/XX/XXXX to inquire why account was still showing Active on my credit report with extended late payments was informed by the credit card company that the account had been sold off in XX/XX/2019 but yet it is still showing the current late pavements a further affect my credit score.
Consumer complaint received 2020-12-27
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: Merchants Adjustment Service, Inc. (CA)

From the company 's CFPB response I have concluded that they are still presenting false information about my complaint and as a side note this company is openly violating The HIPPA Law. Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. The company can't provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One / Cabela 's pulled my credit report without my consent. I was notified through my current credit card company, XXXX, of this inquiry. XXXX separate inquiries were made on XX/XX/2020 and XX/XX/2020 by Capital One/Cabela 's. I followed up with XXXX to investigate the inquiry but never heard anything back from the investigation. 

I am not sure if these inquiries were by mistake or are malicious. I would like for the inquiries to be taken off my record and to not impact my credit score.
Consumer complaint received 2020-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Assist (NY)

Several attempts made to College Assist/XXXX XXXX XXXX XXXX by certified mail written request/ several e-mails, several phone calls requesting proper documentation/ proof of debt a treasury offset that has been sent directly sent to College Assist/XXXX XXXX XXXX XXXX from IRS between XX/XX/XXXX  XX/XX/XXXX  in the amount of {$23000.00} ( total ) There is nothing on any 3 credit reporting Bureaus showing any balance owed for any Government/ Student loans owed. I contacted US Department of Education to receive amount owed they stated they aren't showing a amount just that it is beinging serviced by College Assist and to contact them for the balance. I have requested for years for written proper documentation showing a balance owed and haven't received nothing so I could pursue my options of either paying off amount owed or contacting a debt consolidation to help resolve or file a Chapter XXXX or Chapter XXXX Bankruptcy.
Consumer complaint received 2024-03-18
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. (MD)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The information the company provided does not verify that this account was created by me. My social security number and ID was stolen from my wallet. They have an invalid phone number and an invalid home address attached to this account which is the most lawful valid way of identifying me since my information was lost from my wallet before this account was created. If they do not have a valid signature from me opening an account with them it simply means under the FCRA, they can not verify the information. These items lawfully must be deleted from my report because the company has failed to provide adequate contract signature information to verify this account was opened by me. 

Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. If the company can provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.
Consumer complaint received 2020-12-27
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)

I filed a police report and a complaint with the FTC im uploading the supporting documents to prove it. I disputed the identity theft thats in my credit report. And the credit bureaus are still illegally reporting the fraudulent information on my credit. I told them multiple times that ill filed a police report etc. The companies in this complaint still refuse to remove the fraud off my credit and they continue to illegally report the information.
Consumer complaint received 2020-12-27
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)

I filed a police report and a complaint with the FTC im uploading the supporting documents to prove it. I disputed the identity theft thats in my credit report. And the credit bureaus are still illegally reporting the fraudulent information on my credit. I told them multiple times that ill filed a police report etc. The companies in this complaint still refuse to remove the fraud off my credit and they continue to illegally report the information.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC (TX)

apartment complex, Lofts at XXXX XXXX XXXX XXXX XXXX XXXX Texas, claim that i was a " no show '' and have filed it on my credit report- i went to look at the apartments 1 time with my mom, thinking about going to college in XXXX XXXX Texas ... i had been told by apartment management that i did not qualify on my own for 2 reasons - age XXXX ( minor ) and no credit history at all.. I have received collection letter stating i owe {$8400.00} from collection agency Law offices of Brett M. Borland P.C.. phone # XXXX, on XX/XX/2020 this office advised me to send them an email to XXXX in which i did to explain the scenorio and there is no documentation because you dont receive documention when you go to LOOK at an apartment. At NO time did i or anyone sign a lease agreement with this complex. 

i have tried to call numerous times to the actual apartment complex and apparently they sold, so they can not provide me with new owners information or phone # to contact AND they say when they sold they sold the books along with it ... .apt phone # XXXX I feel like I am being scammed by the apartment complex for this debt. 
and it is now on my credit report.. I have filed credit dispute, i have tried numerous calls, i have sent email to collector ... 

Please help ... Sincerely XXXX XXXX ph. XXXX XXXX XXXX
Consumer complaint received 2020-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I sold an item in person and utilized PayPal as a payment method in the amount of {$2300.00} for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. There was no issue with the product and the buyer and I had amicable contact post-purchase. However, On XX/XX/2020, the buyer reported our transaction as being unauthorized, over a month after purchasing the item from me. PayPal sided with the buyer despite evidence of an agreement and transaction. At no time did PayPal contact me to hear my side of the story. I currently have a negative balance of {$2300.00} in my PayPal account and also do not have the product that I sold.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OH)

XX/XX/2023 received a text message saying I could pay my {$2100.00} bill online. This fraud charge was supposed to be over and the text alert is the way I found out it wasnt. When I called I was told that I needed dates and exact amounts of charges. I explained that I didnt make that I didnt know because I didnt make the charges. Fraud said they would send me copies of every fraudulent charge since XXXX so that I could call back and report each charge fraudulent individually. I never needed that information on the several previous charges I disputed. They also wont stop the late charges from being reported to the credit bureau. So now I have to dispute it with XXXX again. I believe they are retaliating against me for filing the previous complaint.
Consumer complaint received 2020-08-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I moved out of property that was managed by XXXX XXXX XXXX XXXX at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX IN. I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. XXXX XXXXXXXX XXXX XXXX is incorrectly billing me for monies and debt that I already paid in person to XXXXXXXX XXXX XXXX  and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on EQUIFAX credit reporting agency. EQUIFAX has ruled each dispute in favor of XXXX XXXX XXXX without providing any proof to my person.
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CULLEN/FROST BANKERS, INC. (NV)

I was charged for a hotel room that was cancelled in the proper protocol procedure. XX/XX/2020. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2020-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 I sent the amount of {$170.00} to XXXX in exchange for a program system. He refunded me once but the second one he did not. I gave him a total of {$350.00} dollars. I only got {$170.00} back. I would like the other half back.
Consumer complaint received 2020-12-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Data Finance, LLC (TX)

I have been receiving messages about personify financial withdrawing money from my bank account ( though i dont see any such withdrawal ) since XX/XX/2020. These messages come to me thrice a month and i suspect identity fraud ( specifically with my phone number ). I did try to contact the company ( without having to give my SSN ) but theres no way i can approach them and discuss this problem. I hope to get to the bottom of this before it turns out a full-fledged attack on my finances.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

I called XXXX in XX/XX/2017to let them know I am not a student at the school anymore the school continue charging the loan company. When I call the school no one in Finacial Aid is speaking to me. I did not graduated from the school I left and transfer to a accredited school
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TX)

I have tried numerous times for this company to provide original information on this debt that keeps being reported on my credit report as current. I have sent letters to both the credit bureaus and the debtors with the response only indicating that this message " Account information disputed by the consumer, meets FCRA requirements ' If I owe this debt and if it is legitimate I will make my self responsible as long as I see original proof of dates, and, amounts. They have yet failed to respond or fulfilled my request and account keeps impacting my score negatively.
Consumer complaint received 2023-01-05
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)

Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2020, Chase Credit Card company reported my account as delinquent. However, my account is not in delinquent or late status because my bill is due the XXXX of each month and was in process of being withdrawn from my bank account on XX/XX/2020.
Consumer complaint received 2020-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MD)

I received information from LVNV Funding LLC in reference to an account they claim I owe {$690.00}. Ive never conducted business with this company and I sent several validation letters and fact act letter to the company who in turns sends me summaries of bills from a credit card company. I contacted the 3 credit bureaus that are reporting this illicit item on my credit file in an attempt to have it removed. The item is still on my credit file after I sent all three Bureaus the information I received from LVNVFunding LLC., and the item is continuing reporting on my credit report. According to the FCRA rules a debt collection agency must provide a signed contract bearing my name indicating I have conducted business with this company. LVNV Funding LLC refused to comply with the law by reporting this item on my credit file damaging my credit. 
I have not heard from this company after my last letter demanding them to produce a sign contract or contact the 3 Bureaus, XXXX, XXXX, and XXXX to remove the items until they have legally verified this debt belongs to me. 
I am request CFPB to conduct a full investigation of this matter.
Consumer complaint received 2020-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have requested my Transunion report a few times and have not received a copy. I tried to view my credit report online however I have been unable to access it through Transunions unions website, and Annual Credit Report website. When trying I get an alert indicating that I would have to call in to request a copy of my credit report. I have called in 8 times within the past 7 months and requested a report be mailed to me however I still have not received my report from both credit bureaus. During this, both credit bureaus have reported fraudulent information on my report which I am alerted to through my credit monitoring service but still am unable to view the actual report. I have not received any communication from XXXX despite requesting my report with them via phone and Annual Credit Report, I was also a victim of the XXXX data breach and still don't have access to view the information on my report