davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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: AMERICAN HONDA FINANCE CORP (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on AMERICAN HONDA FINANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I started using my XXXX account in XX/XX/2020 to trade cryptocurrency after that service was added to Paypal. From that time, I was trading and taking profits which were transferred to my bank accounts as needed. I was also transferring money back to Paypal to purchase cryptocurrency again when the prices rose. In other words, I was making a small income from these trades. Suddenly, on XX/XX/XXXX, I had a message in my Paypal account saying my account was limited and I had to submit various pieces of information to have it restored. I sent a photo of my drivers license and a photo of my bank statement as requested. Another request was to explain a transaction but when I opened the page to do that, there was no transaction listed that needed to be explained, so my response was " What transaction? '' On XX/XX/XXXX, I got an email saying that my account was restored. I began trading again and transferring money between accounts and on the XXXX, I had another message in my Paypal account saying it was limited again. Paypal requested the bank statement and an explanation of a transaction again. I sent the bank statement and because there was still no transaction listed to explain, I responded " What transaction? '' again. On the XXXX, I got an email saying my Paypal account was permanently limited and that I could no longer use Paypal. It went on to say that my funds would be kept for 180 days. What is left in that account is cryptocurrency whose value is fluctuating. At the time of the account being locked, the value was over {$1000.00}. Today, its value is {$880.00}. It may have less value or more value in 180 days but it should be my decision whether to hold it, buy more, or sell. I want and need that hold released at least long enough to have the cryptocurrency value back to what it was before the account was locked. Then, I will gladly remove it and have no more to do with XXXX.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (LA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the following fraudulent items from my Credit File : XXXX XXXX XXXX Balance : {$910.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (TN)

This debt is not mine due to fraudulent activity on my account and the result of unauthorized transactions that were placed, my response is going to be the same. I notified your office with a debt validation letter saying I owned this debt with my signature, and evidence this wasnt fraud, Im a victim of identity theft/ forgery please prove you are the original debt collector if you cant prove that you are the original debt collector, and not speaking on the behalf of any other company this debt needs to be closed. Unauthorized transactions on my account Im not liable for once again this is due to fraudulent activity, and forgery my account was taken over I have and had no control over that, my account was hacked like many other Americans that Is a victim of fraud I have rights.
Consumer complaint received 2022-05-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (AL)

I have been trying to get a student loan from PNC banks corrected on my credited report. It showing payment was late over XXXX times corrected when the loan was in forbearance or it was in a bankruptcy status. Its showing that I was late over XXXX times which I never was in a repayment stage and have tried numerous of time to get that corrected and have been unsuccessful.
Consumer complaint received 2015-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NY)

I 'm receiving these letters from this collection agency called Midland Credit Management Inc. and they want me to pay the amount of {$2000.00} and this is absurd. I have never conducted business with this company and I am disputing this claim. I do not know how these people got my full name and my address.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Banking has been harassing me calling repeatedly late nights after XXXX XXXX, sometimes after XXXX XXXX. They wont lower the amounts of bill and keeps adding fees even after me letting them know I lost my job and have very little right now. They agreed to put me on a program where I wont be charged late fees but yet I still am receiving them? & they keep calling me Over and over at inconvenient times. Its honestly just making things even more stressful, the bill was {$100.00} but is now over {$200.00} after all the late fees theyve continuously put
Consumer complaint received 2022-07-22
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2013 Reference number : XXXX 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
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Sometime in XX/XX/2019 I found the below accounts on my file that are not mine. I have issued a dispute leter on XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with no investigative results report. There are a total of ELEVEN 30 day violations. Please refer to the attached IDENTITY THEFT POLICE REPORT and please immediately delete these accounts to avoid litigation.
Consumer complaint received 2023-06-22
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. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX  and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (VA)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ill XXXX Has been sending me notice balance {$910.00} .The collection has reported as a pass due balance. I dont know this company. I never did any business with this company.This company doesnt have a contract with my signature.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OR)

I submitted a complaint to XXXX on XX/XX/2021 detailing XXXX XXXX 's fraudulent activity towards my account ( Complaint XXXX ). XXXX improperly closed the complaint upon receipt of an irrelevant response from XXXX XXXX. XXXX XXXX 's response contained no facts related to the complaint and referenced an unrelated money transfer. 

Please reopen the complaint XXXX and compel XXXX XXXX to respond to the specifics of this complaint.
Consumer complaint received 2020-02-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They will not remove a XXXX XXXX  charge off Tradeline after XXXX XXXX  told them to remove it. Please see the letter the debt was forgiven.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a child support arrears balance that shows up on my experian credit report as a closed account and it is not closed. I make payments every week per the judges court order. It also shows up on my credut report as seriously past due date/assigned to an attorney, collection agency, or credit grantor & apos ; s internal collection department. It also said it is a term of 1 month. None of this is correct. I am ordered to pay an amount monthly by the court and I pay that amount monthly. This is not a loan and it has no term in reference to time. This doesn't even show that the balance is dropping because of weekly payments. It is a complete manipulation of the credit report system. I have asked experian to rectify this and they have not responded.
Consumer complaint received 2015-12-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NV)

I believe Chase bank is in violation of the legal tender act by failing to exchange legal U.S. tender for smaller denominations of legal U.S. tender without having an account with them. 

On XX/XX/2015, at approximately noon, I went to a Chase bank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I was attempting to exchange a {$20.00} bill for XXXX roll of quarters. As I would not provide account information I was denied the exchange. The vice-president/branch manager XXXX XXXX told me this was Chase 's policy recently instituted. If that is true, this means that people without bank accounts will now be out of luck when it comes time to do laundry. No quarters for the poor? Sounds illegal to me.
Consumer complaint received 2024-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

XX/XX/XXXX I sold a table for {$50.00} to someone local through XXXX market place. She paid me through venmo. I immediately deposited the money into my account. 

On XX/XX/XXXX I received a message from venmo that my account was frozen because they received a dispute from this persons credit card company. So they immediately tried to withdraw {$50.00} from ME! Before even investigating whether her claims were true. Since I dont keep money in my venmo, they left me with a negative {$50.00} balance in my account. 


I provided venmo all the documentation including the chat between us and even XXXX  camera footage of her picking up the table. They respond and said their investigation could take 75 days and my account would remain frozen unless I paid the {$50.00}. I refused because shes not getting my table and the money back. 

So now if anyone sends me money through venmo they will take it to cover this balance. 

The buyer of the item claims she never disputed a charge. But Venmo refuses to unfreeze my account. Theyve been less than helpful and now I feel I have no choice but to just close all my accounts and deactivate everything. Ive also filed a police report against the woman scamming me.
Consumer complaint received 2022-12-20
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (NC)

Good evening, Ive tried to settle my debt with XXXX XXXX XXXX to settle debt to improve my credit but instead of me being able to pay they informed me I no longer owed them they had sold my account to XXXX XXXXt, account number # XXXX. Also, the debt amount owed by XXXX XXXX XXXXXXXX XXXX and amount owed by XXXX XXXX  which is on my credit report are two different amounts. I did not receive any kind of notice nor give consent to share my personal information. On XXXX XXXX the Account name is named is XXXX XXXX XXXX and on XXXX XXXX XXXX  which is another inconsistency with my credit report. 

In accordance with fair credit reporting act XXXX  XXXX Account, account number # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MI)

In XX/XX/XXXX I received a letter in the mail from XXXX XXXX stating I owed a debt for XXXX. When I called they said I could resolve it at a discount for {$230.00}. I paid that debt as they had alll my XXXX information and said they were XXXX. They even were able to show my charges on my XXXX account. So I believed them. Come to find out, my account was never resolved. I only owed XXXX {$12.00} which they say has never been paid. I was scammed from a debt collection company and they falsely represented themselves while also having all my personal information.
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IL)

Nordstrom- I got their response from the previous complaint. They indicated that my check was insufficient fund. I tried to pay with cash at the store and using my XXXX XXXX card. They couldnt accept my payment through that method. That does not have any factor to me making a payment to resolve the issues it possible. AGAIN IF THEY COULDNT ACCEPT MY PAYMENT WITH THE METHOD IT WAS GUARANTEED, THATS NOT MY FAULT.
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (GA)

On XX/XX/2021 via certified mail with return receipt, I sent a debt validation letter which also included cease all contact. Per USPS the letter was delivered on XX/XX/2021 at XXXX to the front desk/reception/mail room. On XX/XX/2021 XXXX and XXXX XXXX in XXXX, IL contacted me at XXXX pm and then hung up. I called back and spoke with Mrs. XXXX, asked why were they contacting me and I have sent a letter stating to cease all contact and to validate the debt, Ms. XXXX states she can add me to the do not call list but that they do not go thru letters. I hung up with Ms. XXXX and called back, the next representative I did not catch her name, but this rep instead of addressing my concerns and ignoring what I was saying continued on about paying the balance, I proceeded to stop this representative and advised that this is not what I was calling about and that she was ignoring what the initial call was in regards to. The rep stated they have not received any letter, I advised that the letter was delivered to their offices on XX/XX/2021 at XXXX. I hung after I did not get anywhere with this rep as all she kept stating was they did not receive a letter.
Consumer complaint received 2020-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SFMC L.P. (TX)

Paid loan in full, {$190000.00} with guaranteed funds on XX/XX/20. This info is per their automated information system. Today is XX/XX/20. Escrow funds of nearly {$4000.00} have not been received which is violation of time frame they have to return funds. We were told " the check is in the mail '' when we questioned them on their violation of RESPA.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the rights to privacy 15 Usc 1681 Section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-18
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. (NC)

Good evening, Ive tried to settle my debt with XXXX XXXX XXXX to settle debt to improve my credit but instead of me being able to pay they informed me I no longer owed them they had sold my account to XXXX XXXX, account number # XXXX. Also, the debt amount owed by XXXX XXXX  XXXX XXXX and amount owed by XXXX XXXX  which is on my credit report are two different amounts. I did not receive any kind of notice nor give consent to share my personal information. On XXXX XXXX the Account name is named is XXXX XXXX XXXX and on XXXX XXXX XXXX  which is another inconsistency with my credit report. 

In accordance with fair credit reporting act XXXX  XXXX Account, account number # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Thank you, XXXX XXXX XXXX