davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX XXXX on a debt with XXXX XXXXXXXX XXXX, even though there was a clouded issue of true ownership.  At the same time XXXX XXXX XXXX stated that it purchase a debt from Capital One N.A., so did The XXXX   state that they were collecting on behalf of another debt buyer known as XXXX XXXX XXXX XXXX.  I have already submitted my CFPB complaint pertaining to that issue.  Now XXXX XXXX XXXX has a standing policy to delete all collections that have been settled.  For that reason I decided to settle with XXXX XXXX XXXX. XXXX is still posting this paid collection and mailing to me collection letters.  This must cease immediately and the account must be deleted on each credit reporting agency permanently.
Consumer complaint received 2019-11-27
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: Experian Information Solutions Inc. (NJ)

On/or about XXXX, XXXX, I pulled my credit report and going over, I found out multiple accounts that did not belong to me, knowing this I did my own research and started disputing the incorrect information. As of today XXXX XXXX, EXPERIAN & XXXX, have been refuse to remove an alleged bankruptcy that I never filed and listed below : Reported on EXPERIAN, Alleged court name : US BKT CT NJ XXXX, type : Bankruptcy Chapter XXXXDischarged with an alleged reference # : XXXX, allegedly filed on XX/XX/XXXX. 

Reported on XXXX, Alleged court name : U.S. Bankruptcy   Court, type : Chapter XXXX Bankruptcy Discharged with an alleged reference # : XXXX, allegedly filed on XX/XX/XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Listed below are the Accounts that are being challenged BXXXX XXXX XXXXXXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I was sent {$50.00} on Venmo on XX/XX/XXXX by my spouse. 
My bank account had not yet been manually added to my Venmo account and in attempting to do so manually instead of using their instant verification spyware called XXXX which allows that company access to my bank account balance, they froze the account and called it suspended saying I violated terms of use. I did nothing of the sort. Thereafter Venmo account specialists on XX/XX/XXXX said I could only have access to my money and my account and have the access and ability to transfer my money to a bank if I provided BOTH a photo of my government issued photo ID and a selfie of me with my government issued ID. 
This is beyond invasive and ridiculously stupid to do. They are clearly not a secure, trustworthy company. 
They are holding my money hostage unless I comply and have given me no reason for freezing and suspending my Venmo account. I have not committed any violations of Use. I have been a PayPal ( their parent company ) user since 2001
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This debt with XXXX XXXX XXXX. Has been charged off for years and Ive disputed this debt several times in the past 5 years and it always comes back as verified. How is it verified as valid debt when its been charged off for nearly 5 years? XXXX XXXX XXXX has sent a letter stating that they are no longer attempting to collect on this debt. Why is it still being reported on my credit profile and being verified by the credit bureaus as valid debt of the creditor is no longer attempting to collect on it and Ive asked the creditor to provide a 1099c as this is now considered personal income to me with their charge off? This is being reported inaccurately and must be removed immediately as it is negatively impacting my ability to obtain credit.
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I XXXX XXXX settled on a debt with Portfolio Recovery Associates, even though there was a clouded issue of true ownership.  At the same time Portfolio Recovery Associates stated that it purchase a debt from XXXX XXXX XXXX., so did The Bureaus state that they were collecting on behalf of another debt buyer known as XXXX XXXX XXXX XXXX.  I have already submitted my CFPB complaint pertaining to that issue.  Now Portfolio Recovery Associates has a standing policy to delete all collections that have been settled.  For that reason I decided to settle with Portfolio Recovery Associates.  PRA is still posting this paid collection and mailing to me collection letters.  This must cease immediately and the account must be deleted on each credit reporting agency permanently.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

: Notice for Proof of Claim Account : WAKEFIELD & ASSOCIATES  118486XXXX To Whom it may Concern: This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States (C) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements: “Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law”. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts(3) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692(g): Under the Law, FDCPA, Section 1692(g), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2024-02-20
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. (GA)

XXXX XXXX XXXX sent me a letter back on XX/XX/year> threatening to repossess the vehicle. Meanwhile XXXX XXXX XXXX can not Validate the debt at this time according to XXXX XXXX XXXX. A Cease and desist was placed on the account. XXXX XXXX XXXX are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, XXXX XXXX XXXX can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by XXXX XXXX XXXX, no remarks or inaccurate reports should be placed on my credit report.
Consumer complaint received 2023-07-20
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 (CA)

XX/XX/23 & XX/XX/23 with PayPal. I occurred {$24.00} through XXXX and they sent this amount to PayPal for me to receive. I have tried several times to get them to mail me the funds. Not much, {$24.00} but still mine. First they asked for verification of my address, which they had on file. I said Yes please send to the address you have on file. Then the next day, there asking for my Bank information to send/ mail me a check. Then they say to call there csr dept XXXX, and you don't get a live person, the automated system asks for your social security number, which they should not even have. All this for XXXX
Consumer complaint received 2023-07-31
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. (FL)

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 of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed 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 items I am concerned of : 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 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

....I have been a customer of American express for about 8 years,and that would be the Blue bird card by American express/amex....CARD #XXXX.....On XX/XX/2019, my card was "locked", or shut down without my consent, as I tried to make a online purchase.....Yes , I have tried several times to resolve this ordeal, with the  American express, hideous customer service ,and managers.....They refuse to help or acknowledge my complaint......I have money on my card, and at the least I would like that money refunded to me asap!!........I would also like a explanation as to why my card was cut off for no reason!!
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (AL)

Im the XXXX of XXXX, a settlement was reached with XXXX XXXX to settle a credit card debt for less than what was owed. All payments were made. In XXXX of this year, I discovered that they had turned the debt over to a collection agency claiming that they didnt receive one of the payments. I have sent proof that the payments were made, but they keep denying my disputes and wont remove this debt from my credit report. The name on my account is XXXX XXXX, my previous name.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I applied for United Explorer credit card offered by Chase on XX/XX/2019. They disapproved my request by their letter referenced # XXXX dated XX/XX/2019 giving reason that too many credit cards opened in the last 2 years associated with me.
Consumer complaint received 2019-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I am requesting Resurgent Cap Srvs Lp to be removed from all 3 credit bureaus this is not my debt of XXXX and I will pay for a debt that does not belong to me. I am requesting copy of contract that has my name on it .This is fraudulent to attach it to my credit report and try and collect a debt that does not belong to me.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (CA)

The creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False and misleading information can't be treated and the creditor must remove late payments in the listed account. 
XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc (GA)

I XXXXXXXX XXXX XXXX XXXXXXXX  and informed Sunset Finance in XXXX, GA that I was going to be on unpaid XXXX  XXXX  until XXXX, ever since I missed my first payment I have received calls from blocked numbers, nasty comments from the manager and CSR XXXX. XXXX told me on XX/XX/2023 that they needed me to come into the office to sign insurance paperwork in order to help get my loan caught up since I am out of work. I took my XXXX week old into the office thinking that I was going to receive help from this company in order to get caught up, and the manager asked me to come back to his desk. With customers in the office he said loudly that I was XXXX payments behind on both of my loans, and that he could coming them to get me caught up but that I would have to pay {$250.00}. I informed him ( again ) that we are relying solely on my husbands income and that our rent alone is {$1300.00}, and that I had no way of paying {$250.00}. He told me to ask someone for help like my parents or a good friend, because he can call his mom or a good friend to help him. I called my mom while I was at his desk, and while talking to her I told him that it was unethical for his employee to tell me that I needed to come sign insurance forms, he stated that in his XXXX years of working there that the company has not covered XXXX. In short, I was lied to by his employee, he stated that he was not aware of what she said to me. This company has also sent someone from their legal department to my home when I was alone with my child ( XXXX weeks old at that time ), tried to get me to talk to their manager on the phone that day as well. I informed this company on multiple occasions that I am out of work, and have a XXXX  to provide for right now, and that he is my main concern. The manager kept saying in my XXXX years in this business he has also told me that he knows Im in the business but I havent been in it as long as he has. It was unethical of them to tell me I was coming to receive help from an insurance claim and then embarrass me in front of other customers. I had to take my XXXX XXXX  old into their office and one of the employees was wearing a mask, which tells me that he is either sick or was recently, which in turn puts my vulnerable infant at risk as well.
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

MY ACCOUNT WERE CLOSED WITH NO EXPLINATION. 

I HAVE THAT Bank of America ACCOUNT FOR MORE THAN 14 YEARS. I CALLED AND THEY DONT WANT TO TELL ME WHY!
Consumer complaint received 2019-09-10
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: EQUIFAX, INC. (MN)

I send a letter asking for an investigation to be completed on two collection accounts that are reporting on my credit report. it has more than 30 days  and no response. the letter was mailed on XX/XX/2019. The followup letter was mailed on XX/XX/2019. The dollar amounts on the $XXXX & XXXX .