davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I have been using Paypal 's service for many years since I have been selling on XXXX. They have an unfair monopoly for which I do not have a choice of alternative to use. They have taken many many fees from me including fees for buyer returns which is unfair! 

OnXX/XX/XXXX a person used their service to pay me {$100.00} twice for a total of {$210.00}. It went through fine. Then I log in almost 60 days later on XX/XX/XXXX and I see it is taken back by someone? I didn't even know it was possible to take it back. There are no buttons showing for me to take back my payments. I thought once someone pays you it is final. It should be. I tried to ask them what is going on and I can't use my account because it is negative. Furthermore my ongoing XXXX sales are linked to this account and it is causing me headaches and suffering and time over this! 

I called on XX/XX/XXXX and spent 15 minutes holding and going through their hoops of recordings and then they hung up on me. I went to their website help and they say they only have offshore chat! Why is this allowed when they are a US company and in financial industry is an essential business? They are making many profits and they are completely negligent in servicing their customers which is a violation of their terms! I demanded they have a supervisor call me on the phone so I could get resolution for this situation. The said there is none. I don't even know what is at issue to be able to provide my evidence which I have in emails. I can't wait months and months. Paypal service is an outrage! 

My email account is XXXX Case ID : XXXX Case ID : XXXX
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

NOTICE YOU BROKE THE LAW To : XXXX XXXX XXXX, XXXX XXXX XXXX On XX/XX/22, I XXXX XXXX a consumer checked my consumer report and notice that a collection account ( XXXX XXXX, XXXX ) was added to my consumer file claiming that consumer owes an alleged debt. As a result of this notice I am a victim of Identity Theft, or my identification or financial information has been used or transferred or has been alleged to have been used or transferred without my authority or without my consent. This is a violation under Federal law pursuant to 15 USC 1681g ( 11 ). 
I have attached my identity theft report and supporting documents and will file a complaint to XXXX XXXX XXXX, registered agent XXXX XXXX XXXX XXXX for corporation for Identity Theft and unfair debt collection practices under the FDCPA ( Fair Debt Collection Practices Act ). I am demanding a removal or deletion from my consumer file and consumer report IMMEDIATELY or all parties involved will be held liable under Federal laws pursuant to 15 USC 1692k- Civil Liability, Pursuant to 15 USC 1611- Criminal Liability for willful and knowing violation, Pursuant to 15 USC 1681n- Civil Liability for willful noncompliance and Pursuant to 15 USC 1681o- Civil Liability for Negligent noncompliance.
Consumer complaint received 2022-10-05
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. (MD)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-12-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : This is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has verified that the accounts they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items is entirely inaccurate and incomplete, and incomplete, and represents a serious error in your reporting should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445  ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (TX)

XXXX  OUTSOURCING FORWARDED A NOTICE ADVISING THEY ARE ATTEMPTING TO COLLECT A DEBT THAT HAS NOT BEEN VALIDATED. UPON THE INITIAL REQUEST, I INQUIRED ON THE VALIDITY OF THE DEBT. XXXX  THEN FORWARDED THE ATTACHED, WITH A DIFFERENT AMOUNT, DIFFERENT DATES, AND DIFFERENT LENDER. IT DOES NOT REFLECT WHAT IS CURRENTLY SHOWING ON THE XXXX CREDIT REPORT AND IS INACCURATE.
Consumer complaint received 2020-06-10
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am  allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under  dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Re : CapitalOne Credit Card Solicitations I have tried not once but many times to get CapitlaOne to quit sending me credit card offers and other advertising in the mail. I have NEVER used CapitalOne, will NEVER use CapitalOne and don't won't to be bothered with them, yet I get several pieces of advertising materials/solicitations in the mail almost weekly.

I WANT IT STOPPED.
Consumer complaint received 2023-06-28
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. (NY)

I am confused on late payment accounts that are reporting on my credit report. Incorrect report is being reflected and is making my score go down. Several late payment marks even though they are not accurate.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please correct my personal information, including the generational designation XXXX. I don't know why XXXX never added XXXX or why XXXX and Experian removed it. This is how files get mixed up or merged!
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please correct my personal information, including the generational designation XXXX. I don't know why Transunion never added XXXX or why XXXX and XXXX removed it. This is how files get mixed up or merged!
Consumer complaint received 2023-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I opened an account and i was traveling and some how my account was accessed by another individual making fraudulent charges via cash app and XXXX where my account was over XXXX dollars in transaction i reaptedly tried to change email to my information and contact information but I don't know how it was changed to begin with than numerous times I went to the branch go fix it over and over filed claims and no response was ever given no letter resolution
Consumer complaint received 2019-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (MN)

Contacted fraudulent party to purchase goods / service. 

Used XXXX to send money to fraudulent party 's account. 

Did not receive goods / service and was not refunded money by party. 

Contacted banking service with complaint and was told they could not refund / resolve issue. 

Filed report with local police.
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (TX)

Continul robocalls day and night. This Affilate Solutions received the Account from Pendrick Capital Partners II. These calls began just before XXXX. The letter I received from Affiliate is dated XX/XX/XXXX. The date of service was allgedly XX/XX/XXXX at XXXX XXXX XXXX which I would never use. My XXXX doctor would use XXXX XXXX or XXXX XXXX in XXXX, TX. As I was never billed contacted the numbers they have called from and was told that they have no record of my service. I called again today and looked at the XXXX XXXXl records and there is no bill there. I can not due to being XXXX   attach documents but I have 1 letter and a photoshot that shows the account can not be found. I was robbed and all my personal info went with the thief. Since this just began believe someone has stolen my identity and used it for medical treatment. I have found alot of negative issues regarding this agency and I know they must have dragged something  somewhere, I don't know.
Consumer complaint received 2019-12-28
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: AMERICAN EXPRESS COMPANY (CA)

America express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Contact XXXX Email XXXX XXXX I am asking XXXX XXXX  about all the recording call from my cellphone XXXX
Consumer complaint received 2024-01-14
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Southwest Credit Systems, L.P. (PA)

Southwest credit systems is trying to collect on a debt not owed to them. I have no signed contract with that debt collector nor the original Creditor. This company southwest have threatened to mess up my credit if i didnt pay or jail time. I asked southwest to prove how this debt is owed to them from my person and all they send are bills from another company.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

" Dear PayPal XXXX '', I am writing to request the reinstatement of my account, which has been permanently banned. I understand that my account may have been flagged for suspicious activity, but I assure you that all of my transactions were legitimate and I had no intention of breaking any of PayPal 's terms of service. 

I have taken the necessary steps to ensure that this situation will not occur again and I am fully committed to following all of PayPal 's rules and regulations moving forward. I have also taken the time to review the terms of service and understand the importance of adhering to them. 

I apologize for any inconvenience this may have caused and I hope that you will consider reinstating my account. I rely on PayPal for my business transactions and I would greatly appreciate the opportunity to continue using the service. 

Im Trying to Contact the XXXX but it didn't connect. 

Thank you for your time and consideration. 

Sincerely, " [ XXXX XXXX ] '' Last XXXX digit XXXX XXXX  number : XXXX Paypal Email address : XXXX Phone Number : XXXX
Consumer complaint received 2019-12-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I sent the modification packet to bank of america for the loan XXXX. I bought the home in XX/XX/2009 (  attached HUD1 ) and got title insurance ( enclosed ). The sellers ( MLS printout enclosed ) moved to florida where they were engaged in buying foreclosures and remodeling and selling for profit as their new employment. ( Mls ) and florida has been their primary residence for the last 10 years. I have lived at XXXX XXXX XXXX XXXX, XXXX, NM XXXX and do not own any other property. I wish to keep the house I have been using/occupying for the last 10 years.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

When checking my credit report I have noticed that XXXX XXXX XXXX  is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX XXXX XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX XXXX XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX XXXX  or the company that they are collecting for.

I disputed this debt with Equifax on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Consumer complaint received 2023-06-28
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. (VA)

I received my credit report on XX/XX/26 and noticed hard inquiries that didn't have a permissible purpose on my report. These hard inquiries are hurting my ability to get approved for financial products that can benefit me and my family. I already contacted the credit bureau about this, and they are unwilling to assist. My rights under 15 USC 1681 b. have been violated. I have attached the hard inquiries that have no purpose on my credit report.
Consumer complaint received 2020-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-05
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. (GA)

It has been drawn out that you are not hindering records when I sent a copy of 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. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX Balance : {$38000.00} XXXXXXXX XXXX XXXX XXXX  XXXX : {$12000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (IN)

I have repeatedly tried to contact XXXX XXXX XXXX to no avail. They have placed unknown negative accounts on my XXXX, XXXX and XXXX  credit reports. This negative account is hurting my ability to apply for new credit.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I opened the account in XXXX when my XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking XXXX. It was connected to saving XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I spoke with XXXX, XXXX who transferred to XXXX. According to XXXX, escalation rep it was converted to a regular checking in XX/XX/XXXX thus charging {$10.00} per month until now. He claims the requirement was not met. Claim he can only file a complaint & someone will contact in 2-3 business days. If dont hear call back. Requested again to speak Requested to speak supervisor claimed one was not available
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USI Solutions Inc. (CO)

I received a letter in the mail saying that I owed on an account that I never had. They are trying to get me to pay a reduced amount for the whole of the account. They sent a fraudulent bill. I checked my credit report and the account is not there. I am contacting this department to report them for fraud.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I have two cards with XXXX XXXX XXXX One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show on my credit report.
Consumer complaint received 2019-12-28
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. (NC)

XXXX XXXX  hard inquiry of XXXX 2018 I still need requested file for fraud review. XXXX XXXX   denies inquiry. 
Reinvestigate.
Consumer complaint received 2019-12-22
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. (CA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.