davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Accts in question : *PORTFOLIO RECOVERY A ( acct XXXX ) {$580.00} XXXX XXXX XXXX ( acct XXXX ) {$700.00} I have never done business with PORTFOLIO RECOVERY A nor XXXX XXXX XXXX I am showing 2 accounts for which I am requesting debt validation to include the following : What the money you say I owe is for? 
Explain and show me how you calculated what you say I owe? 
Provide me with copies of documents that show I agreed to pay what you say I owe? 
Prove the Statute of Limitations has not expired on this account?

Show me that you are licensed to collect in my state?

Provide me with your license numbers and Registered Agent or Agent of Service?

please note, a copy of any bill does not VALIDATE the debt thats being reported. This reporting has caused me tremendous grief in my attempt to purchase a home. I need this fixed immediately. i will need all document requested above at this is my 3rd time requesting information from each of the companies.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (KY)

A credit card was taken out for XXXX that was closed out in 2019 with a balance of XXXX dollars. This is in collections with LVNV funding LLC. I have spoke with them on the phone and informed them that I wanted to report fraud and get this matter resolved so to remove this from my credit.
Consumer complaint received 2020-05-06
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. (FL)

I wrote a letter to Experian dated XX/XX/XXXX asking to reinvestigate an account. They responded on XX/XX/XXXX that the account was verified. I asked for a description of their procedures on XX/XX/XXXX and they responded on XX/XX/XXXX stating that the address provided has not been reported to my credit and I needed a copy of my DL and ID. Even though if you were to look at my credit report. My current and only address is on there and I sent them a copy of my DL, SS card and a current utility bill
Consumer complaint received 2020-11-03
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)

I notified Experian that I am a victim of identity theft, I am now responding to Experian 's response. I XXXX XXXX did send this request to the CFPB and Experian. this complaint is made directly from myself. attached again i have submitted my XXXX  report and a copy of my social security card and 605B for your review. thank you
Consumer complaint received 2021-09-15
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. (SC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

Purchased Spring Training Tickets for XXXX XXXX at New York XXXX at XXXX XXXX Sun. XX/XX/2020 XXXX XXXX  ) XXXX XXXX Order # XXXX The EVENT was CANCELLED due to COVID-19. XXXX XXXX has a Refund Policy on Canceled events that 100 % would be refunded back to the original card. XXXX XXXX has not Refunded my Money. When I called them ... They said for ME to work with my BANK ( Discover ) as I disputed the charge with them since NO REFUND was delivered in the time allotted. Discover claims they need more information. I have been disconnect several times from Discover support personal and I can not be transfered back to the person helping me. I have told my story to countless support people and NO ONE WANTS TO HELP ME. I have provided MORE THEN ENOUGH PROOF. I want my {$420.00} back as services were not rendered as the EVENT was CANCELLED.
Consumer complaint received 2020-09-20
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CO)

I was sending money through PayPal on XXXX to a family member. I clicked on resend this transaction ; as I have sent money to this person in the past and verified that the phone # was there and changed the amount to {$95.00} the amount I was wanting to send. I send the funds and now when I go into the payment the recipient is now an email address. It is a fraudulent email address of the recipient XXXX. This is not the place I authorized the funds to go. I opened a case with PayPal and they closed it stating I authorized the transaction. Which is not true as the recipient has been changed. I tried closing my account with them as I don't want to use their service any longer and was getting an error message. When I contacted Customer Service they said they couldn't close the account due to the outstanding payment. Which cleared my account today. Since they haven't received payment I would say they recipient didn't get the money so why couldn't they stop the transaction and send it to the correct recipient. I'm attaching both the receipt for the previous payment and the current one from  XXXX. I also included a screen shot of the screen showing the correct account when I click on resend.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX XXXX $ was posted to my account from XXXX XXXX. After that time it was posted I had {$1.00} left in my Bank of America account. On XX/XX/XXXX I got an NSF for XXXX , the representative told me I didnt have enough funds in my account to cover another transaction that came out AFTER the XXXX  XXXX payment posted. On XX/XX/XXXX my {$200.00} payment to XXXX XXXX was returned. I called Bank of America 3 times and every time I called I got a different explanation. It was never the same. I called back the 4th time and made a complaint.
Consumer complaint received 2023-01-31
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 (AK)

To whom it XXXX concern : I am writing to bring to your attention an issue I am facing with my PayPal account. To my surprise, my account has been banned without any prior explanation.

As a XXXX, PayPal is a crucial platform for me to receive payment for my services and transactions. The sudden disruption of my account has caused a sign
ificant impact on my business operations, as I am unable to receive payments through PayPal now.

I would be more than happy to provide any necessary Government/Valid IDs to help resolve this issue. I already forwarded my concern to PayPal support but they can't disclose the reason why they XXXX my account. I kindly request your assistance in resolving this matter as soon as possible.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Larry H. Miller Group of Companies (UT)

For nearly 7 years I have had a truck loan with Rally Motor Credit at XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone # XXXX. It has always reported correctly until XX/XX/2019 and now the loan shows removed from my credit report. This is seriously a problem that it has been removed as I only owe apx   : {$1300.00} left on the loan. I have reached out to the company let my rep know of the issue then about 3 weeks later I had a woman XXXX XXXX send me an email asking for a copy of the information on my credit report showing the account had been removed she was very rude in her email and threatened me stating that I had a certain amount of time to respond or she would close the dispute. I screen shotted my credit report with the requested info showing that the account for Rally Motor Credit had been removed from my credit report the same day and sent it to her. I was not very nice about the fact that she had threatened me when this is their mistake. I sent this info on XX/XX/2019. I have not heard back from her at all in 2 weeks. Today I reached out telling them that they have still not gotten back to me and that the account is still not showing on my credit report. I only got a response from my account rep XXXX XXXX stating that I need to contact the credit reporting agencies and deal with the problem with them. I have a huge issue with this due to the fact that it is not the credit reporting agencies mistake it is the companies mistake and they should be the ones to correct this as I have already spent so much of my valuable time to try to get this fixed. I still have not heard back from XXXX. This is fraud and should have been dealt with in a professional manner by Rally Motor Credit.
Consumer complaint received 2020-09-20
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/20, I attempted to close my bank account and credit account with Chase bank. I was refused from closing my account and Im unable to pay my credit card bill because they have locked me out of all of my accounts and removed online access. 

I can not set an appointment to visit my local branch because of the corona virus. No person on the phone is helping be to solve this issue after all day on the phone.
Consumer complaint received 2020-09-20
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: AMERICAN EXPRESS COMPANY (TX)

According to CFPB Ref No : XXXX, AMEX sent a request to delete the hard inquiries, dated XX/XX/2020, XX/XX/2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, XXXX   still reports falsify information about these hard inquiries.
Consumer complaint received 2020-05-17
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. (NV)

XXXX  XXXX XXXX i paid in XXXX XXXX XXXX is not reporting correct as the virus effected accounts with XXXX XXXX. i have paid all payments on time. I have not had late payments
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX i paid in XXXX XXXX XXXX is not reporting correct as the virus effected accounts with XXXX XXXX. i have paid all payments on time. I have not had late payments
Consumer complaint received 2022-04-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

There is an account that appeared in XXXX from USAA on my XXXX report. Just XXXX. I originally disputed it with them. It came back as verified as mine. I contacted USAA they couldnt find this account or ANY account in my name and Social Security in their records. They said " we cant send you anything that says this isn't yours since we are not reporting anything under your identifiers '' you will need to dispute this with the bureau again. I did. It was then removed. It remained off for months. Then reappeared. I once again disputed this with XXXX and was told its been verified as yours. How? Where is the proof. They have to provide me a copy of the lease/loan agreement with my signature, or credit app something! Nothing. Neither them or USAA has ever done so. They just keep making this account reappear at will. It costs me XXXX XXXX points each time this appears. Its causing me financial devastation since I have NEVER had a late payment in my life or a collection account. Just this account that isn't mine appear and disappear. This has to be removed in full by XX/XX/XXXX at that point the debt is 7 years past the time whoever had this would be out of the statute of limitations. I shouldn't have to wait 3 more months for this to happen naturally since its NOT MINE!
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Prime Choice Funding Inc. (TX)

I have signed the refinance paperwork with PrimeChoiceFunding Mortgage on XX/XX/XXXX for a XXXX  days lock based on the advertisement flyer that came in the mail in XXXX of XXXX. As of today XX/XX/XXXX XXXX 3 months later ) I have not received any updates on my closing date and have not been able to receive any updates on the status of my file. It is misleading to keep the consumer on hold for such a long period of time with no updates and no end date after offering a XXXX  days lock in. It is a desperate situation. Please assist.
Consumer complaint received 2019-05-28
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. (NY)

I ran my credit for the first time and realized someone has been using my identity. I have not gave no one permission to use my social to apply for no credit card.below are the accounts that don't belong to me : XXXX XXXX- Opened XX/XX/XXXX - Amount {$330.00} XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - Amount {$1000.00} 3 ) XXXX   XXXX / XXXX XXXX Opened XXXX Amount {$0.00} 4 ) XXXX- Opened XXXX Amount {$0.00} 5 ) XXXX XXXX- Opened XXXX Amount {$0.00} 6 ) XXXX  XXXX XXXX- Opened XXXX Amount {$0.00} 7 ) XXXX XXXX XXXX- Opened XX/XX/XXXX - Amount {$900.00} 8 ) XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX - Amount {$0.00}
Consumer complaint received 2020-09-20
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. (OH)

Re : Method of Verification Request To Whom It May Concern : I was NEVER LATE ON THESE ACCOUNTS XXXX  XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account was late. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represent a very serious reporting error. I expect a to receive RESPONSE IN 15 DAYS of receipt of this letter in compliance with the FCRA. If not, I expect these late payments to be corrected in my credit files. 

Please make sure to provide Method of Verification and process used with documentation.
Consumer complaint received 2021-01-25
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. (FL)

I sent a dispute to the credit bureaus XX/XX/2020 In the results I got back I was informed that my XXXX XXXX  account which was showing late payments were updated to they were never late ( 100 % good payment history ) Now when I pulled my new credit report today I noticed that these items were reinserted showing as late again and the company just simply changed their name on my credit report and reported them as late again. This is fraudulent in my honest opinion because they didnt follow the law pertaining to reinsertion and they also changed the name that they were reporting it under as if playing some type of game with me and my finances as I am being harmed badly by this unlawful reporting. My life, my finances, my credit report is no joking matter
Consumer complaint received 2020-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

TODAYS DATE : XX/XX/XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase  because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XXXX/XXXX/17 I dispute I filed with Paypal was elevated to a claim ( XXXX ). Paypal has since closed the dispute and refused to refund money according to their policy.
On XXXX/XXXX/17 I purchased an item on XXXX via Paypal. The seller provided 2 tracking numbers over the next few weeks in response to queries about why it had n't arrived.
The seller provided 2 tracking numbers to me : 1 ) on XXXX/XXXX/17 - DHL : XXXX ( XXXX XXXX XXXX ) 2 ) on XXXX/XXXX/17 - USPS : XXXX ( XXXX XXXX XXXX ) Later, USPS sent a letter to confirm whether I had received the item. I had not and replied to their letter on XXXX/XXXX/17.
Paypal closed the claim, asserting the tracking number provided by the seller confirmed the item had arrived. I called Paypal and had the claim re-opened. Subsequently they re-closed the claim, once again asserting the tracking number confirms delivery ( it does n't ).