davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
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 (KY)

I had a Venmo account in which I used as a way to easily transfer funds to friends/family members who also had Venmo. You can attach your debit card and add money to your Venmo account/balance and from there use a designated Venmo card ( debit ) they provide you. I had added nearly XXXX to my Venmo account and used my venmo debit card for every day needs. My account was frozen the first time due to violating the user agreements. I was not told which agreement I violated as I was told by the customer service rep that they were not able to see that part of my account. Approx 4 business days later my account was unfrozen. I was able to continue using the services as needed. Then my account was frozen again for the same you violated user agreements and also we need an unexpired government issued ID. Which I provided. I told the customer service agent I was connected to that I submitted it and was told again 4-5 business days. I was now told my account is permanently disabled. I have over 800.00 sitting there that I do not have access to and their response is it can take up to 180 days to get a response and hopefully be resolved. I have transcripts of every chat and email exchange if needed. I can be contacted at XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-13
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 ()

I have my paypal limited for no apparent reason. They send me an account alert, I already complied and send every information their asking but they still have my account limited. I use paypal regularly for my small business and because of this happening i can not access my money that is badly needed by my family. I saw someone in youtube doing this and have their account restored, I hope to have my too. This is such a burden to me and my family, all our money is being held by paypal, I dont know what to do. My paypal is linked to this email XXXX and paypal name is XXXX XXXX XXXX I hope you can help me resolve this as soon as possible
Consumer complaint received 2022-04-09
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 have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.
Consumer complaint received 2022-09-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Consumer complaint received 2022-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

Debt collector has original different name and address start updating info went callme to verify info never been treated on this XXXX who send collection also call XXXX to verify don't have same personal information the other person was XXXX XXXX XXXX I'm not him allready summit 3 times disputed whit XXXX to solve this matter has 3 accounts whit united revenue corporation only deleted one account and the others 2 verify as accurate????? Don't understand
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (AL)

On XX/XX/2018 I sent out a validation letter to Pinnacle LLC/ XXXX   for 2 collections in the amount of XXXX $ and XXXX $ dollars that they say I owe. I requested their offices to provide me with competent evidence that I have any legal obligation to pay them or If they can prove I owe the debt.I also included if their offices are able to provide the proper documentation as requested I will require at least 30 days to investigate the information and if your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file of all 3 major credit bureaus XXXX, XXXX, and XXXX and a copy of such deletion request shall be sent to me immediately. They received the letter on XX/XX/2018 at XXXX 40 days ago and they have yet to Validate the debt they say I owe. So I'm asking you all to please help me to get a response to deletion of these accounts that was not properly validated.
Consumer complaint received 2021-05-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (TX)

I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached ) on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. 
A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. 

Lately, they have been calling me multiple times, even during weekends ( XXXX 's XXXX ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me one. 
I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY.
Consumer complaint received 2018-01-27
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. (AR)

XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with XXXX and EQIFAX and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit report.
Consumer complaint received 2023-06-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX  XXXX TCC XXXX XXXX XXXX XXXX APPLIANCES XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX BANK CAR XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ML XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MT)

After the transition to BBVA from Simple, I've had to call support 8 times, sometimes being an hour and 3 minute wait before it just hangs up the call.

My account had an error right on the day after the transition happened, a scheduled planned transition that I've expected adequate support staff and preparation.

It has been a complete struggle with the app after finally getting in contact just to do something simple as just logging into my new account on BBVA and I really wanted to refuse a fee payment to move money out but was required to pay.

If I would of known of this horrendous customer service in which the only way for a transferring user from Simple to BBVA is a phone call to get hung up on or can't hear you, I would of instantly already started to cancel on Simple awhile they were still online. BBVA has also never offered any updates to anyone via email to inform what to do to do this transition and the false information being mismatched from this supposed transition. 

I had to go online myself into XXXX to see what BBVA is doing, why my routing number was changed when both banks said it wouldn't change at all, and to just get messages about them also acknowledging issues with their support. 

The entire time I'm on hold, the call keeps repeating that this surge of wait time is about PPP loans when I outright know that's not the truth at all. 

BBVA should of been prepared for this transition and made their services not have this many issues for over 5 days and still having people complaining about getting hung up on customer service and really should inform all customers via email at all steps of the way to transferring from Simple to their bank.
Consumer complaint received 2022-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

My mortgage has been in forbearance within protection during covid 19. I realize that has ended. During this time, my Husband has had XXXX XXXX, thank God that has slowed down some. But have debt from it. My Husband is retired and can no longer work. 

I have been XXXX  for quite some time. I have been a caregiver to my Husband as well as a caregiver to my XXXX XXXX XXXX Mom. My XXXX began again in XXXX of this year. At this time, my hours are part time. However, I do have an XXXX store. I currently only have one client, but I am processing his payroll and taxes. 

I had begin a new trial plan and was unable to pay the amount due. I have been talking with them and informing them of everything going on. Seems to fall on deaf ears. Things are improving as far as earning is concerned. Don't get me wrong, I am still struggling. 

I had an appointment with XXXX XXXX @ PHH Mortgage early this month. I was never called. I checked my calls on my phone. They never called. So, now a new appointment is scheduled -- -- -it 's either the XXXX or XXXX. They are dragging out the time. I tried to make a payment and it has been refused on more than one occasion. Supposedly I am supposed to be receiving paperwork. It takes 10 days to come. So what date will I receive this if I do? When I was speaking with someone else with the mortgage said I didn't have to be concerned until after this month. I would like things to be taken care of this month. 

I do not want and will not lose my home. I could be treated more fairly I feel. I would like the behind part of my mortgage ( which is around XXXX ), to be put on the end of my mortgage. Most of this XXXX is from covid 19. I feel this is PREDATORY LOANING. Yes the covid plan ended at the beginning of the year ... .a few mortgage payments do not add up to XXXX! The percent of my mortgage is from 1 to 2 %. At this current time, it is 2 %. I would like for my mortgage to stay between 1 to 2 % and the covid 19 forbearance amount moved to the end of my mortgage. I do not think I am asking for much. 

In early XX/XX/2022, a tree fell on top of our home. I have been staying in a hotel every night because my lender placed insurance has no coverage for displacement. Then they wonder why I am still having financial issues. No one should have to go through this.
Consumer complaint received 2024-03-07
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. (NV)

Provided personal information to 3rd party affiliates against, XXXX XXXX XXXX was contacted on multiple accounts to no avail or response. 

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC (DC)

This complaint is in reference to the Auto-Trakk entry Account Number : XXXX reflected on my XXXX  and XXXX XXXX credit report. I have contacted Auto-Trakk several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediately deleted from my credit file.
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc. (CA)

Unknown derogatory account has appeared on my credit report by Real Time Resolutions. I have not received any information in regards to validation of this debt. I contacted them and was told I would receive a letter in the mail within 30 days in regards to the claim. I have not received anything 2 years later.
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 XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX and XXXX 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 a account without my written instructions.
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. (LA)

XXXX XXXX is reporting that I am currently late every month in an account that they write off in 2019 as bad debt. They issued me a XXXX that I had to include on my taxes and I am not currently late for any payments because the account is closed and should be reporting a XXXX balance. According to the law once a company has issued a XXXX for the debt. The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. Both experian and Equifax are reporting this account incorrectly despite several dispute requests.
Consumer complaint received 2024-03-07
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)

I reviewed my consumer reports and noticed that I had four late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Consumer complaint received 2022-04-09
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. (MN)

The account in question has been disputed several times and XXXX XXXX XXXX has verified to Equifax that the account is accurate, XXXX XXXX XXXX  has failed to provide me with documents that I requested several months ago. This issue has been very inconvenient to deal with as no documentation has been provided to me. To this day the account continues to be reporting to my credit report. I would like Equifax to provide me all documents showing my signature on them showing me that I indeed have a debt with the collection agency claiming that I owe. If Equifax can not provide me with a signature documents, I request that the account be permanently deleted from my credit report. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization.

To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App XXXX  509.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect this alleged debt. Coppola v. Arrow Financial Services, 302CV577, XXXX WL 32173704 ( D. Conn., XXXX XXXX  - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiffs debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by you, the collection agency. 
As Im sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be aware that in TWYLA BOATLEY, Plaintiff, vs DIEM CORPORTATION, No. CIV 030762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONAXXXX XXXX the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA