davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Date of Original Venmo transfer : XX/XX/XXXX : My dad Venmo'ed me {$750.00} to help me pay for a flight to visit him. When it came to my account, it was marked as " goods and services '' and asked for my Tax ID. I immediately reached out to Venmo to correct this error. We were told by Venmo there was an issue with the algorithm, and that they would reverse the payment because this was not supposed to be marked as " goods and services. '' XX/XX/XXXX : I receive a 1099K from Venmo listing the {$750.00} ( this had been reversed ). I reach out to Venmo to see why they had given me this form. The first person I spoke to told me not to worry about it. When I asked for an email confirmation that I don't need to worry about it, she emailed with unrelated information. I called again, and got the response ( attached in supporting documents ) saying that I should not have been sent the 1099K, and they were working to correct it. They said they had never seen this happen before so they sent the case to engineering to see what had happened. The second attachment shows another transcript with Venmo explaining the engineering issue. I spoke to several other customer service representatives who all told me different things about the case, which was very confusing. Finally the engineering team determines that it was my dad 's fault, and that he must have accidentally pressed this option ( contrary to other venmo team members prior saying that there was a mistake with the algorithm ) and that I would have to speak to a tax specialist ( on my own dollar ), and that they refused to amend/correct the 1099K. When I said that I can not afford a tax specialist, and asked if they would reimburse for the charges that correcting this mistake would cost, they refused. Venmo admitted fault in the first two exchanges, in XX/XX/XXXX and Tuesday XX/XX/XXXX, and then when it became more problematic to resolve they switched the blame on myself and my dad, causing us to have to pay to get it fixed by a tax specialist.
Consumer complaint received 2020-01-15
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. (TN)

On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Experian under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

I was ripped off by a guy on XX/XX/XXXX. He posed as a PayPal employee, and he ripped me off for over {$6500.00}. A police report was filed on the XXXX. I also filed a report with the FBI. Then yesterday, XX/XX/XXXX, I found out, that my credit score had lowered from XXXX down to XXXX, and upon investigation, I found out that a venmo credit card was opened using my info, on the XXXX of XXXX. I have had a venmo account for at least a year already, but I did not have a credit card with them. I had received a credit card from them a few days ago and just thought it was something they were sending out, because I have had an account with them for over a year. Then yesterday I signed up for the credit card monitoring service through XXXX, because I went to apply for an XXXX XXXX credit card, so I could purchase some music, and I was declined. I was thinking how could I get declined if my credit score was XXXX just a couple months ago, and once I got the XXXX monitoring service, I noticed that the credit card was opened on the XXXX of XXXX, and that it had already had a balance of {$1900.00}, and so the PayPal thief got a credit card opened up under my name and I guess did a cash withdrawal of the money. I was told to file a report with the FTC and so I got directed through the FTC to file it through you guys.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I attempted to make a payment online in mid XX/XX/2022, the account showed no amount due. I recieved no billing statements not demands for payment until XXXX XX/XX/2022. This included a late fee of {$28.00} ; no payment was requested or listed as due at any time until XXXX XX/XX/2022. This are illegal, unethically charged fees.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX Access my account Was it me I began purchases cell phone five ( 5 ) in one year I purchased a XXXX No Preinstalled It had XXXX XXXX installed by XXXX XXXX After XXXX sold them the phones I returned with reciept to no avail I called USAA rep said I love XXXX XX/XX/XXXX Statement {$190.00} CREDIT XX/XX/XXXX {$190.00} NEW CHARGE I do not think one man should be able to make me pay for what I do not want I AM TRYING TO PREVENT IDENITITY THEFT If more banks held cell phones accountable IT WOULD HELP THE INTERNET SECURITY
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (AZ)

THIS IS MY 5TH COMPLAINT Pursuant to 28 CFR 74.11 ; the Fair and Accurate Credit Transaction Act and 5 CFR 1315.4 This is your notice of default and opportunity to cure. I have Acima app downloaded and it is not recognized me as a user as if i do not have an account and was logged out automatically when the account became closed.. I obviously dont have access. Acima customer services DOES not speak English and have a very hard time understanding. And I DO NOT HAVE TO PAY BY WEBSITE OR CONTACT YOU OVER THE PHONE to handle this debt I AM IN CONTACT WITH YOU AT THIS MOMENT, your refusal TO ACCEPT lawful monies such as cheque, money order or any other lawful spieces of medium of exchange, is an automatic discharge by your non acceptance to perform under UCC-1-308 UCC-4-406 PLEASE explain this symbol XXXX $ Until I Receive an correct bill or invoice in my mail box or email. I refuse to pay anything. Despite all my efforts to resolve this matter privately, you have willfully and negligently continued to violates me per fair debt collections practices act as well as the criminal code 18 usc 1001, you have been notice to estoppel, I now rescind MY signature IN CONNECTION with the transaction of this contract per UCC-3-202 due to your breach of contract fro inserting my rights by fraud and mistake for the false advertising of payments t shown at the retail are different from on the contract. They display monthly payments while Acima send contract for weekly payments 18 USC 8 I now invoke my rights of claim to the instrument used in connection with the transaction, I have reasons to believe I am no longer receiving value for my part in the transaction, i no longer consent to any furnishings i Now renovation of election for good cause. Please fill out a w-9 and send it me. In accordance to title 28 usc 3002 ( 1 ) ( b ) and 31 usc 3718 i demand Acima to provide me of evidence of how and whOM has the authority from your organization to collect the debt.
Consumer complaint received 2022-07-13
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Fay Servicing, services our mortgage. We previously tried to work out a loan modification but they were impossible to work with, and eventually we were forced to file for XXXX XXXXXXXX bankruptcy to keep our home. During our bankruptcy were able to successfully negotiate with the lender XXXX Bank and structure an agreement to save our home and renegotiate our mortgage. Our bankruptcy was successfully closed on XX/XX/22 and Fay Servicing was informed of the judgement by both the court and our attorney. Not only do Fay 's Statements reflect a different amount owing then what the court decided on, they show us being arrears, and show an unapplied amount due. We have paid every payment based on the inflated amount that is more than the court ordered, but in order to be compliant we felt that we needed to pay. They will not speak to us as they say that we are still in bankruptcy, nor can we access our account to see payment application because they indicate we are in bankruptcy. Our attorney has sent multiple requests subsequent to the notices sent by the court, but Fay Services refuses to follow the courts order. We need to be able to access our account, speak to representatives and figure out why monies are being held in escrow and why our account is showing as passed due when all payments were made per court request.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

In multiple instances, I have attempted to use this card for dinners or for appliances, etc., and the card will trigger fraud alerts. In each instance, the amount of time taken to resolve ends up being excessive to the extent that today I spent almost an hour on the phone with support with this company and was offered XXXX dollars for my time as a " courtesy ''.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (TN)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2023-01-17
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)

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another viloation. 
I have all the evidence attach below.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

One of the names listed is wrong. Many address are wrong. Many phone numbers are wrong. A couple hard inquiries are wrong. Collections should be removed. Some account information is inaccurate.The last 4 digits of my social are wrong.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2024-03-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Remove the fraudulent accounts resulting from identity theft from my credit report immediately, as I have serious doubts about their accuracy, or face legal action consider this your final warning. I demand swift resolution, and I expect written confirmation of the accounts ' removal to ensure accuracy in my credit report. XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (TX)

On XX/XX/XXXX, I entered into a contract to purchase a XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX in XXXX, TX. Despite my contractual obligations and fully executed agreement, XXXXXXXX XXXX XXXXXXXX falsely represented to me and vehicle has been sold to another party. We were in contact with XXXX XXXX XXXX from the dealership who could not give us a direct answer regarding the status of the vehicle. He simply stated, they did not know where it was nor could he provide an estimate of when it would arrive to the dealership. I was made aware today that the vehicle was, in fact, sold to another couple already. 

This false representation constitutes consumer fraud and deceptive practices in violation of the Texas Deceptive Trade Practices Act. XXXXXXXX XXXX XXXXXXXX XXXX actions have caused me significant financial and emotional damages. 
I demand that your office take immediate action to investigate this matter and hold XXXXXXXX XXXX XXXXXXXX accountable for their illegal conduct. I am willing to cooperate fully with your investigation and am prepared to take legal action if necessary to seek justice for this deceitful and dishonest business practice.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management (TN)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please  provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-02-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (OK)

My name is XXXX XXXX, XX/XX/XXXX I had an eviction filed against me by XXXX XXXX XXXX Professionally Managed by XXXX XXXX, I was making partial payments, I tried getting rent assistance from multiple places but it was the middle of the pandemic and things were hard, I was 6-7 months pregnant at the time and lost my job due to XXXX. 
On XX/XX/XXXX i delivered a CDC Declaration for the eviction moratorium to the offices of the apartment, they received it and stated that because I didnt have supporting documents they were going through with the eviction for late payment. 
Per the XXXX At the time, you did not have to provide any supporting documents of hardship, They filed the eviction and in the court documents it stated I owe {$1400.00}. 
The property management sold within the time between then and now, and have sold my debt to MARS, the balance on the credit report is {$3900.00}. 
Ive gotten in contact with XXXX XXXX and have been talking to XXXX XXXX XXXX, XXXX Vice President of XXXX XXXX XXXX Multifamily They had no record of the signed declaration, and are not being very helpful to come up with a solution, She said my balance was {$3900.00} due to rent owed and damages to said property but, court documents do not state any damage to property. 
Ive tried getting in contact with both more and i have heard nothing. 
They completely ignored the CDC declaration I delivered. I shouldnt have been evicted at the time, I ended up pregnant with nowhere to go and now Im unable to get any type of rental to provide a home for my son due to there lack of attentiveness.
Consumer complaint received 2022-07-13
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX