davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

I had the following chat. The broken link is still on the page and still broken. 

... 
Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 
XXXX XXXX  - PayPal Assistant Yes XXXX XXXX  If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 
XXXX XXXX  - PayPal Assistant I messaged you last night. But it seems you threw away the question. 
https : //www.paypal.com/us/smarthelp/topic/NONPROFITS_AND_DONATIONS won't load. 
You link to it from https : //www.paypal.comXXXX Please fix the link and send me the FAQ. 
Hello? 
XXXX XXXX  So angry now. It's been almost an hour. Hello? 
You link to it from hundreds of pages, e.g. https : //www.paypal.comXXXX Hello? This is absurd. I'm looking for clarification on the " *Some partners may charge fees on donations made through their platforms. See FAQ for details. '' sentence - are banks/VISA/MC such 'partners '? 
XXXX XXXX  Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

XXXX  Thank you for contacting PayPal, my name is XXXX. When it days XXXX its describing sites like XXXX  that uses PayPal to receive donations but XXXX will take a percentage of the funds collected before they are sent over to PayPal. 
XXXX XXXX - XXXX This conversation has been closed.
Consumer complaint received 2024-01-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

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 furnishes an account without my written instructions.
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OH)

On XXXX XXXX, 2021, THE CBE GROUP INCXXXX  add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE CBE GROUP INCXXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (LA)

I had a bankruptcy in XXXX and all outstanding debt was cleared at that time. Since that time I have been 100 % on time with all credit, have an excellent credit score, and I check my credit thru all 3 credit agencies at least 2x per year. I show no history of any late payments or defaults. 

Have received numerous robo calls from XXXX XXXX XXXX ( XXXX XXXX ) regarding threats of legal action regarding an unpaid debt. I returned a call in XX/XX/XXXX and was told that I owed for a credit card I never had. I was also told that liens would be placed on my XXXX XXXX ( one of several registered vehicles currently in my name ) and also on my primary residence and that a law suit was being drawn up against me. 

I am still receiving threatening messages. I returned a call again today XX/XX/XXXX and I told them that I would pay anything that I owed but I needed written proof of the account and balance. They told that me the balance was regarding a GE Capital account ( XX/XX/XXXX thru XX/XX/XXXX ) that I defaulted on and they offered me a {$620.00} " settlement offer '' or a sheriff would be delivering me a notice of suit and summons to appear at my work or home.. It does concern me that they did have the correct last 4 digits of my social security number. I did not provide additional identification from my end. I told them that they would have to provide me with written documentation of the debt or sue me. 

I contacted GE Capital ( through Synchrony Financial at XXXX XXXX today and spoke with XXXX. He searched for accounts by my name, social, and mailing addresses. He confirmed that I have only had one account through them with a department store from XXXX. He stated that the account in XXXX was closed and that no debt was owed. 

The phone number that I received a call from and called and actually spoke with a person on today was XXXX. 

I am requesting that someone please follow up on XXXX XXXX XXXX  ( XXXX XXXX ) XXXX because I believe this to be a scam to illicit over the phone settlement payments from unsuspecting citizens
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

This madness has been going on a while with this bank! Constant fraud alerts text to me, having to file claims for transactions, they apply debits and credits knowing when I get DD and when I dont whenever they want, they charge me fees for their error, then credit me the fee. After that if I ask for a credit for a fee Im told I have to many credits for fees. It is constant double talk and doing what they want with my account. Today I see I am being charged for ATM cash withdrawal and a fee for that. How did I withdraw the cash if it wasnt there? A supervisor XXXX told me they will let me withdraw money at their discretion. I asked her three times, she said the same thing. Still does not make sense. I also see a charge for a lawyer service today. I explained to XXXX I have a receipt from the merchant that it was paid XX/XX/21 today is the XXXX. She said that transaction was never on hold or shown to transact. I reminded her of the receipt. She said she didnt know why. She reminded me that I have to pay these charges. Something is fishy here. Always has been with this bank. Now Im faced with over {$400.00} in charges that have to be cleared by XXXX XXXX  tonight or I will get more fees. Something is not right can you please help.
Consumer complaint received 2021-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently sent letters over 60 days ago. To this bureau or bureaus and they are disregarding a regular consumer disputes Im stressed and have been sending letters before this and still no response.
Consumer complaint received 2021-02-05
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: ALLY FINANCIAL INC. (FL)

I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX  credit report. The error which prompted this credit report dispute includes late payment on XX/XX/2017, ALLY FINANCIAL. I am kindly requesting ALLY FINANCIAL to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-07-27
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. (NY)

I applied for a XXXX XXXX  credit card and it was denied saying past or current delinquent account. I looked at my equifax credit Report and I didnt see any delinquency or public record and they telling me equifax provided it. I am confused because thats not the case I have no delinquency.
Consumer complaint received 2021-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP (NY)

1. My first request was On XX/XX/XXXX ( I requested from XXXX XXXX XXXX XXXX XXXX Mastercard/Etc. ), XX/XX/XXXX and on XX/XX/XXXX I requested from Selip & Stylianou , LLP and XXXX XXXX XXXX XXXX XXXX Mastercard/Etc. to provide me with a NOTARIZED AFFIDAVIT VERIFICATION & VALIDATION of Debt form ; to date I NEVER received it. All Selip & Stylianou , LLP keep sending me are statements with NO Charges from a credit card. That's NOT validation of debt! That is a violation. 
2. NEVER gave Selip & Stylianou LLP consent to contact me in any way ; they keep sending messengers to the address and those people are literally THROWING envelopes at my window. That is a violation.

3. Selip & Stylianou LLP have ruined my reputation. That is a violation.

4. Selip & Stylianou LLP are using false & misleading representations. That is a violation.

5. Selip & Stylianou LLP are attorneys ; a debt collector can not be an attorney nor can an attorney be a debt collector. That is a violation.

6. As a CONSUMER I have a right to request validation of a debt pursuant to 15 USC 1692g. I requested VALIDATION ; competent evidence of a legal obligation of the debt and/or a legal obligation to pay you which has NOT been received for over one year and you ( Selip & Stylianou LLP ) are still ruining my reputation and harassing me. 
7. One of them is calling all day and sending negative threats, court date papers, and statements in the mail. Thats NOT what was requested ; I requested VERIFICATION. BY THEM DOING OTHERWISE .... That is a violation.
Consumer complaint received 2021-07-26
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: STERLING JEWELERS, INC. (TX)

KAY JEWELERSis violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' KAY JEWELERS failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. KAY JEWELERS is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and hurting me both financially and mentally.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I received a letter from Transworld Systems Inc. attempting to collect a debt on behalf of XXXX XXXX. The account # listed is XXXX. I do not owe anyone and don't want my credit report affected negatively. I am in the final stage of XXXX XXXX awaiting a XXXX I've been living with my family for years due to illness, this is not my account. Please cease attempting to collect any amounts from me. This is the first I've seen anything from these companies.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (IL)

Upon reviewing my credit report, I came across inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), it is mandated that the three credit bureaus validate this account. Failure to validate this reported account within the legally stipulated timeframe without providing substantiating evidence is not permissible. My credit report contains the erroneous details that require thorough investigation and rectification : XXXX XXXX Balance Owed : {$96.00}
Consumer complaint received 2023-05-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

The balance on the credit card is paid, I have submitted receipts and proof from the collection company. XXXX is just ignoring the proof and siding with the reporting creditor without doing a proper investigation. They want me to believe that they completed a proper investigation in 48 hours during a weekend.
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adelante, Inc (TX)

After reviewing my credit profile XX/XX/2021 I identified a discrepancy with accounts listed under XXXX XXXX XXXX. I requested a validation on XX/XX/2021 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has HIPAA authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2021-07-26
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. (NJ)

I wrote to you on XX/XX/2021 requesting an investigation and removal for the accounts listed and per my USPS certified receipt, it was delivered at your address on XX/XX/2021. The reason for the investigation was to advise you of accounts that are showing Inaccurate, Unverifiable and Incomplete on my credit report you are reporting.

As of now, I have not received a reply from you or any acknowledgment that an investigation has begun. Pursuant to the Fair Credit Reporting Act 623 ( a ) ( 6 ) ( B ), you may not furnish information to my credit report regarding a fraudulent account or debt.

I am requesting for you to delete these accounts immediately from my credit file. Supporting documentation will be attached for you review.
Consumer complaint received 2024-01-30
Product: Credit reporting 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. (IL)

XX/XX/ a letter was sent to transunion to understand why i had inquiries on my account that i never authorized. They have yet to resposnd to my request. I wish to have this matter resolved as soon as possible
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

I was sending money with Moneygram application. I sent two transfers from the same account, with the same account information, to the same receiving account, with the same receiving account information. One was processed correctly, the other never went through after a week. I attempted contacting Moneygram, but instead of responding, they cancelled the transaction of their own choosing. 

Now, they don't want to refund me the full amount, saying they provided a service, so they are keeping the processing fee. They definitely provided me no service, and owe me the processing fee back.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TRUIST FINANCIAL CORPORATION (NC)

I've requested BB & T Bank XXXX XXXX department and XXXX, company that manages BB & T rewards program, on numerous occasions, to provide me with a detailed statement, from date of inception - current. This is to include date, amount, number of points redeemed, number of points available. I need this information on 3 business accounts under the name of XXXX XXXX, XXXX. This is required by family court in a civil matter and is required for equitable distribution. I
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Fraudulent order placed on XXXX on XX/XX/2021 for {$74.00} and billed on my Alaska  Bank of America ( BOA ) VISA card on XX/XX/2021. I immediately disputed the charge with BOA. On XX/XX/2021 BOA denied the fraud claim stating " the merchant provided documentation confirming you received the merchandise or service '' but providing no documentation supporting their claim. On XXXX, XXXX, 2021 I requested BOA provide documentation of the merchant 's documentation which BOA refused to provide until XX/XX/2021 when I was provide nothing more than a XXXX tracking number as proof of receipt. XXXX tracking documentation shows that the alleged XXXX merchandize was shipped to and received by inside commercial delivery to someone other than me, and at a commercial address not associated with me. The merchandise was shipped to the address of major local hotel ( verified by XXXX documentation ) and shipped to and received by the hotel 's listed General Manager. 

Had BOA conducted even a cursory investigated using the UPS tracking number me they provided me after denying the fraud claim, they would have discovered that the merchandize was not shipped to me or received by me. There is no factual basis for BOA to deny the fraud claim or to support the BOA 's claim of receiving documentation confirming receipt of merchandise fraudulently purchased with my BOA credit card.