davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/XXXX I purchased a preorder for a pair of size XXXX XXXX XXXX XXXX XXXX that will be available in limited quantities towards the end of this year. I purchased them for {$280.00} and used PayPal as my payment.The person I ordered the shoes from was operating a huge Ponzi scheme and scammed people out of millions of dollars. He dissolved the business and did not send out shoes or issue refunds. On XX/XX/XXXX I received this statement via email On XX/XX/2022, XXXX XXXX XXXX was appointed by the Circuit Court for the State of Oregon for the County of XXXX to serve as Receiver with certain roles identified in the Order Appointing Receiver. The owner of XXXX XXXX XXXX petitioned the court for voluntary dissolution under Court supervision and the appointment of a Receiver in order to protect and preserve the assets belonging to the Receivership Estate and to assist in the dissolution of the business. 



The Receiver will provide updates as they become available. Please report back to this website periodically to stay apprised of events regarding the dissolution/liquidation of the business. 

I ordered 1 pair of shoes in my size and ordered with the intention of wearing them. I filed a dispute with PayPal on XX/XX/XXXX to try to get a refund by using their protection. 
On XX/XX/XXXX I was sent this email saying that I was denied because I bought them to resell them and make profit. 

Regarding your recent case. 


XXXX XXXX, We apologize for the delay in the resolution of your claim and appreciate your patience. We've reviewed the details of your case, and based on the information we have to date, we have denied your case. 

For your reference, were including the Dispute Case ID below, and you can find the full dispute and transaction information by logging into your PayPal account and going to the Resolution Center. 

Dispute Case ID : XXXX Your claim is being denied because the purchase is ineligible for PayPal Purchase Protection according to the PayPal User Agreement. Specifically, items or transactions are not eligible for PayPals Purchase Protection program when intended for resale. This exclusion applies to single item transactions or transactions that include multiple items. 

What can you do? 

We want to give you an opportunity to provide us with additional information within 10 days from the date of this email that could help us further evaluate this case. Please contact us by clicking Help & Contact on any PayPal page. 

Note - If we dont hear from you, we'll consider this case closed based on the decision described above. 

We're sorry for any problems you may have experienced with the transaction. 

I do not profit by reselling sneakers. I am simply a consumer and a passionate sneaker collector that was scammed and refused protection from PayPal.
Consumer complaint received 2022-09-01
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. (NY)

Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you.
Consumer complaint received 2019-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

In XX/XX/XXXX I paid off through s company about XXXX to an XXXX XXXX XXXX  debt collector They said if I paid the lump some around tax time (XX/XX/XXXX/XX/XX/XXXX ) that the debt would be cleared and that they wouldnt be going after me ... .. 

A year later XX/XX/XXXX I tried to open an account and they said ( XXXX XXXX XXXX ) that I still owe about XXXX $ How is that if I paid their collectors XXXX in XX/XX/XXXX and was promised that the debt would be cleared?
Consumer complaint received 2023-04-02
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. (NY)

XXXX XXXX XXXX XXXX XX/XX/XXXX Individual As Of : XX/XX/XXXX Capital XXXX Individual As Of : XX/XX/XXXX
Consumer complaint received 2022-08-29
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. (CA)

Again, I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please BLOCK the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report that I have filed on my local police department. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. This has been my innumerable attempts to notify you that. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Consumer complaint received 2022-08-29
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-29
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. (TX)

Account is still in dispute which is XXXX XXXX XXXX XXXX XXXX Send in important documents and they havent remove it and I never made payments on it according to the bank they were fake payments made by the fraudster and this account never been blocked before and they havent block it yet .. need some assistance from the fraud dept This is not mine fraud
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At XX/XX/XXXX, Im trying to change USD to RMB, Im in a rush so Im sending help on social media, and a guy text me he can help with it, Im in a rush, he blocked me after I send XXXX $ through XXXX XXXX to him, I try to contact XXXX  and they said they could not help because Im under XXXX and they need my SSN, they could help me anyway either Im a minor, that is not fair, Ive contact them like ten times, they all said they could not cancel a transaction, so I contact bank for this, at XXXX XXXXThey denied my claim at XX/XX/XXXX and takes a month, everytime I called them four times and I get a completely different answer from every call and still can not solve my scam problem, they replace my card and saying that could help report a fraud, i call today and they said I could not get my money back.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Prosper Marketplace, Inc. (NJ)

I received a mail solicitaiton to apply for personal loan. On XX/XX/2018, I submitted an application online. 
During the online application process, Prosper requires granting access to a bank account through an online ID and password access for the purposes of depositing loan proceeds and automatic payment withdrawals. The application process also creates an online account/profile with Proper.

Subsequently, I declined the personal loan offer. However, when attempting to remove the submitted bank account information from my online account, Prosper does not provide any way to remove bank account information. I contacted Prosper 's customer support. Customer support was not able to provide any means to delete the bank account information. Therefore, Prosper continues to have access to my bank account. Prosper raised a request to close the online account, but customer reps advised that the bank account details could not be deleted. 

Prosper Supervisor : XXXX ( Supervisor ) Employee ID # XXXX Based out of XXXX, Michigan XXXX Employee ID # : XXXX Ticket # : XXXX was raised to close the account
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Clearview Resolution Services (FL)

Action demonstrated on the Org Date XX/XX/XXXX first contacted by XXXX XXXX XXXXXXXX XXXX XXXX on behalf of XXXX XXXX XXXX for {$950.00} Tribal loan? 
XXXX XXXX wouldn't mail me any validation of debt, I requested any " history information or bank information nothing was ever mailed to my address, but more calls from XXXX XXXX. 
I requested a copy of the contract agreement to be sent and nothing ever was sent to me once I filed this complaint. 
I sent a letter back to the Clearview XXXX XXXX regarding the same " debt '' that XXXX XXXX is trying to collect on. 
Then on XX/XX/XXXX I get a email from XXXX XXXXXXXX, XXXX, Status : Verification of Debt Account ID : XXXX Original Creditor : XXXX Open Date : XX/XX/XXXX NSF Date : XX/XX/XXXX Current Balance : {$950.00} I sent this email back to On Mon, XX/XX/XXXX, XXXX PM XXXX XXXX XXXX wrote : One last note I was a victim of Identity theft about 5 years ago. 
I placed a " fraud '' alert with the credit bureaus. I have never heard back from anyone until I got a " credit report alert from XXXX that " XXXX XXXX XXXX " place a collection of {$950.00} on my report. 


Actions taken by Me : I contacted the Division of Consumer Finance Office of Financial Regulation, in XXXX FL to ensure my rights as a consumer isn't being violated and my credit isn't damage from what the calls from XXXX XXXX indicated would happen and other ' threats '' XXXX XXXX, Financial Control Analyst was my Examiner of the complaint Complainant Name : XXXX, XXXX Complaint Number : XXXX Complaint Regarding : XXXX XXXXXXXX XXXX XXXXXXXX Examiner Name : XXXX, XXXX A Status : Closed Complaint Regional Office : XXXX
Consumer complaint received 2022-09-01
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: SECURITY FINANCE CORP (MO)

RE : Account # XXXX XXXX XXXX currently reporting to my XXXX Consumer Report. This account exceeds the Statute Of Limitations for the State of MO.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2017-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (MO)

I set up Auto pay for my student loans, and while checking my statement I noticed I was removed from autopay.After calling in to fix this issue and reenlist in auto pay I informed the representative I wanted to pay extra to cover the interest and additional principal for my loan.The representative told me she would apply the payment to the interest and additional payment to the principal. While checking my statement, I learned the representative did not apply the action as we discussed, but put this payment as a future payment. Upon learning this on this I called the company and was informed by a representative that any extra payments you make do n't apply to the principal of the loan.The representative continue to tell me false information to the point I had to request to speak to a supervisor.After speaking with the supervisor he informed me that the information she gave was incorrect.During our conversation I requested additional funds be withdrawn from my bank account at certain days and signed a verbal contract, but while checking my bank statements I say these funds were withdrawn on days I did n't agree to.
Consumer complaint received 2021-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (NJ)

I was notified through " XXXX '' that I had collections for a total balance of {$3800.00} that was assigned on XX/XX/2021. The company that is sending for collections is the phone company " XXXX ''. They have three different collection agencies trying to collect money from me. 
XXXX has " XXXX '' trying to collect, XXXX has " Source Recvb  '' trying to collect and, XXXX  has " Source Receivables Mng '' trying to collect. 

I have never had any accounts with XXXX in my entire life. I have had to resolve this similar issue earlier this year with a different collection. I hope to resolve this like last time. 

Thank you.
Consumer complaint received 2019-03-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (MN)

I have a letter with a statement claiming that I owe Velocity Investments , LLC {$6600.00}. Under my full credit report that account was closed off and written-off since XX/XX/XXXX. They also claim that I executed and delivered a contact to XXXX. XXXX XXXX. Which is a clearly false allegation. Since I was the one purchasing a vehicle from them in XXXX. Velocity Investments , LLC havent once sent me a letter or any documents that have proof that they are clearly the owner to the herein. They also claim I had more than one account with XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Dear Sir/Madam, I hope this letter finds you well. I am writing to you regarding an issue with a collection account that appears on my credit report, which is being managed by your agency, ProCollect Inc. The purpose of this correspondence is to formally request the removal of this collection account in accordance with the provisions outlined in the Credit Consumer Protection Act. 

According to my credit report, there is a collection account listed under the name of XXXX XXXX, the date of first delinquency XX/XX/year>. I understand that under the Credit Consumer Protection Act, consumers have certain rights and protections, including the right to dispute inaccurate or incomplete information on their credit reports. 

Upon reviewing my records, I have reason to believe that there are discrepancies in the information pertaining to this collection account. I respectfully request that you provide me with all pertinent details regarding this account, including but not limited to : Validation of the debt, including the original creditor, the amount owed, and any supporting documentation. 
Verification that ProCollect Inc. is authorized to collect this debt on behalf of the original creditor.

Confirmation that the reporting of this collection account complies with all applicable laws and regulations, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I would like to emphasize that if it is determined that any aspect of this collection account is inaccurate, incomplete, or unverifiable, I insist that it be promptly removed from my credit report. I am fully aware of my rights as a consumer under the Credit Consumer Protection Act, and I am prepared to take any necessary legal action to ensure that those rights are upheld. 

I kindly request that you provide a written response to this letter within 30 days of your receipt, as required by law. Additionally, please be advised that failure to comply with the provisions of the Credit Consumer Protection Act may result in further legal action being taken against your agency. 

Thank you for your attention to this matter. I trust that you will handle this request with the utmost diligence and professionalism. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. 

Sincerely,
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

EQUIFAX is inaccurately reporting the balance on my XXXX XXXX  personal line of credit. The balance owed should reflect {$770.00}. {$8200.00} is the actual available balance. I have attached the letter I sent EQUIFAX informing them of the error. I've also attached the letter from XXXX XXXX that validates the change that needs to be made to my consumer report.
Consumer complaint received 2019-01-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (TX)

Was notified through a credit monitoring company that a new creditor was listed and to look over to see if it was correct. Listed me as having taken out a loan between XX/XX/XXXX-XX/XX/2019 be with XXXX XXXX XXXX XXXX for {$900.00}. First that is 100 % fraudulent and a simple XXXX search shows this company as being fraudulent. Second, be was never notified in writing of debt, probably because it is fraudulent and have no idea where I live. There was no attempt to claim sent before filing it as needing to be collected even according to the false claim it had only been a week since the debt was incurred. This is such an obvious lie they had to know they were involved in illegally claiming this debt. They have followed not one law on this bogus debt.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (FL)

XXXX  continues to violate FCRA laws. 

I have requested multiple times to provide proof of two accounts in question ; XXXX and Lending Club, and XXXX  only replies that these creditors confirmed the accounts. 

They never provide any proof, and continue to report negative information on my report without any proof. The creditors never provide proof either. XXXX, XXXX and Lending Club are all violating the FCRA. 

Unverifiable information must be removed or corrected, usually within 30 days. FCRA 623 ( b ) ( 1 ).

These companies also violate 15 U.S. Code 1681s2.
Consumer complaint received 2021-04-12
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. (FL)

fcra violations : ( XXXX ) XXXX wrong names and accounts not mine : XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a complaint that Bank of America had errors about posting transactions and errors debit and take money from the depositor put in the account for wrong transactions and posting. This is regarding the account XXXX the bank had used fake claims to take the innocent money in the bank account. There were XXXX fake claims on this account caused it to no more money for balance and the bank claim dept did not respond to the need of tbe owner of the account but respond to the fake claims cause the owner lost money that keep in the account. The money can be lost and go to a thief. This is a big error need return money to the account owner
Consumer complaint received 2021-08-21
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: Nelnet, Inc. (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.