davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-12
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 (NY)

I AM WAITING FOR MORE THAN  360 DAYS. PAYPAL CLOSE MY ACCOUNT  WITHOUT ANY REASEON.
PAYPAL SAID  AFTER THE SECOND REVIEWER  MY MONEY WILL BE RELEASE  .
AT THIS TIME I NEVER RECEIVED ANY CHARGE BACK INTO MY ACCOUNT.

I WILL APRECIATE IF PAYPAL RELEASE MY MONEY.
PAYPAL HOLD THE MONEY AND THEY MADE MONEY FOR HOLD BY 180 DAYS  BUT THAT EARNING DO NOT SHARE WITH ME .

SO , I HOPE YOU ABLE RELEASE MY MONEY NOW .

PAYPAL SHOULD NOT LIE TO PEOPLE , JUST RELEASE THE MONEY OR MADE ME A REFUND.

XXXX
Consumer complaint received 2021-09-12
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692
Consumer complaint received 2023-03-31
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 noticed that XXXX XXXX popped up on my experian account. I called XXXX XXXX bank and they were extremely unhelpful, I tried to dispute the account with experian but experian sided with the bank over me without even bothering to investigate. I am trying to find out if my identity has been stolen! And no one cares! It is frustrating! Please help me to remove this account from XXXX XXXX bank and delete it from my credit report. Its not fair that it shows up one day, no one contacts me about it and it affects my score, scary really
Consumer complaint received 2022-04-06
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. (NC)

In response to CFPB complaint # XXXX, My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against XXXX XXXX  for violating a cease and desist notice they received on XXXX XX/XX/XXXX and continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX any right to collect on this alleged date. It is my belief that XXXX XXXX is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX  can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and XXXX XXXX continues its collection efforts I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also XXXX XXXX has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt. A charge off is considered income and income is not to be reported to a consumer report.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I'm a Customer of Nissan Infiniti LT, I have an Auto lease from them.

my account was set up on AutoPay and they were drawing the money each month automatically. the lease maturity date was on XX/XX/2021, so I called 2 times on XX/XX/2021 in order to extend the lease. Nissan approved my lease to be extended till XX/XX/2021. Since the Account was set up on AutoPay I thought they are pulling the money automatically like they did every other month during the time of the lease and since the representative on the phone didn't mention anything about the AutoPay getting canceled. I called again on XX/XX/XXXX, XXXX and I've been told that everything is ok and the representative didn't mention anything about a payment past due and he just said that everything is ok with the account. after checking my credit I noticed a late payment reported on my report for the month of XX/XX/2021. I called Nissan to check what's going on they told me that the AutoPay got canceled since the maturity date of the lease was due on XX/XX/XXXX, XXXX and therefore I'm late for over 30 days. 
I've been trying to explain to them that when I called the representative didn't mention anything about it and even when I called 2 days after the payment due date I've been told that everything is ok with the account and no action needs to be taken. 
I never had a late payment on any of my accounts I'm a very responsible person and I understand my financial obligations. please help me fix this issue ASAP. 
I'm planning to apply for a mortgage and it came to my attention that the missed payment on my record could hurt my ability to qualify.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Consumer complaint received 2019-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (NJ)

On all my 3 credit reports it show up on charge from SYNCB/WALLMART as a revolving account and the charge keep changing every month up and up.I try to call and find out what is going on and explain that is not personal account or debit they threat on me if i don't pay they will send a Sheriff department to collect debt or reaming home don't move because they are on there way to collect the debt or jail. I can't take it no more,
Consumer complaint received 2019-03-01
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. (MO)

I have tried three times to get TransUnion to verify this account the debt collector did not validate and they still tell me it's verified but show no proof. Account number XXXX
Consumer complaint received 2019-03-01
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. (NC)

I recently obtained my credit report and found several errors I contact credit reporting company to have item corrected however there was no response after 45 days the items in dispute are below and on attachment Confirmation # XXXX 1 ) Please remove all non account holding inquiries over 30 days 2 ) please verify and update the balance, payment history and current status on all accounts below as the information on file is incorrect ...

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 both accounts need balance and history update Thank you
Consumer complaint received 2020-11-04
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. (MS)

I am writing this due to non-compliance with XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Months ago I addressed an account on my XXXX Credit Report that had a XXXX/XXXX XXXX account listed. This account in no way belongs to me. It is continuously hindering my ability to obtain credit and I need it removed immediately. The amount is {$400.00} and it says paid. I have attached Transunion and XXXX reports. Neither of the reports contain this XXXX account. Other than this negative remark on XXXX I have exceptional credit. I am highly disappointed that it has not been corrected and frankly feel violated. This issue needs to be rectified Immediately!
Consumer complaint received 2017-09-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CA)

XXXX/XXXX/XXXX XXXX # XXXX I called Mercedes Benz Financial and spoke with XXXX on XXXX/XXXX/XXXX and let him know that there was an error on our account regarding a payment not showing as received. XXXX gave me the run around and denied me to speak to a XXXX when I asked. He told me he would call me back on Thurs XXXX/XXXX/XXXX which XXXX never did. I told him that was unacceptable that XXXX was in receipt of my payment and cashed the check on XXXX/XXXX/XXXX. He said that XXXX would have to locate the missing check. I offered to send him documentation proving the check had been cashed and he said that was not necessary that XXXX needed to find the check. The check is and was never missing they cashed it on XXXX/XXXX/XXXX. I called to follow up and spoke to XXXX on XXXX/XXXX/XXXX and got the same run around that it would take days to locate the missing check. XXXX called and left me a VM on XXXX so I called back and spoke to XXXX who told me that XXXX changed banks and that is the issue and it will take days to research. I do not believe this story as all three of my checks since the inception of this lease on XXXX/XXXX/XXXX have all been cashed by the same bank and I sent XXXX the cancelled checks to prove it. 

I overnighter to them a copy of the original lease signed XXXX/XXXX/XXXX XXXX payment was paid for with XXXX XXXX for XXXX/XXXX/XXXX payment. The XXXX/XXXX/XXXX payment cancelled check, XXXX payment cancelled check and XXXX payment cancelled check. The account is currently due for XXXX/XXXX/XXXX and I enclosed my new payment to them. I also included bank printouts showing all funds clearing my account for all payments. I
Consumer complaint received 2021-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/XXXX a new mortgage was funded ( with XXXX ), the homeowners insurance premium ( USAA ) was due on the XXXX. As a result, USAA received duplicate payments from the old and new escrow for the homeowners policy. When I signed into USAA on or around the XXXX, the homeowners policy overpayment showed as a credit to my account, which they had applied to my auto policy premium ( without telling me either time ). On or around the XXXX, I received a check for the original overpayment from USAA, perplexed, I signed in and discovered that the auto policy was now marked as past due, complete with a late fee, and possible derogatory mark to my credit. As USAA acts as a bank, home insurer and auto insurer, it is improper to retain and apply overpayments in this way, particularly without consumer input, as it has led to a mark on my credit and late fee when they decided to send the check instead.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Hi there, I have contacted this company ERC multiple times, asking them to remove the {$160.00} charge for internet service from my credit. I do not owe them any money. I have spoken to XXXX XXXX XXXX on two occasions and both times they have told me that the debt has been/will cleared because I am a long standing customer. 
XXXX XXXX XXXX has shady business practices, if one moves apartments, they create a new account for you and never cancel the old account. 
My original account was with XXXX XXXX XXXX. 
I have picture evidence from both the XXXX XXXX XXXX chat, XXXX and XXXX credit bureaus. All have told me that the charge has been removed from my credit. 
XXXX has yet to remove it from my credit report. 
XX/XX/2020, is the 1st time, and XX/XX/2020, is the second time I spoke to XXXX XXXX  XXXX. XX/XX/XXXX I got a letter from ERC about my debt to them. This is ongoing.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, a pending charge of {$200.00} was put on my account. I called Wells Fargo immediately to advise that I did not make the charge and did not receive the merchandise. I also informed them that I had shut my card off and ordered a new card due to card being misplaced and also getting message that someone XXXX try and charge my card. I also asked them to put a stop pay on this charge and paid the fee of {$31.00} I was also expecting funds of {$200.00} to be deposited into the account from a loan company. Wells Fargo waited until after XXXX XXXX  to deposit the funds into my account and also until after the false charge of {$200.00} had been added so that my account would go negative. 
This was a set up and they deliberately caused my account to become overdrawn. 
So, I need to be refunded the {$200.00} for merchandise that I did not receive and refunded the {$31.00} fee because they failed to stop payment on the charge. I admit that I have not always kept a perfect account but this was a set up and a trap. So, please refund my money.
Consumer complaint received 2017-09-17
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. (CA)

Equifax 's absolute lack of security has caused my name, address, date of birth, and social security number to be leaked to the public. Equifax 's incompetence has put my financial security in jeopardy. I am now and will continue to be under constant threat of identity theft, harassment, and financial ruin for the rest of my life. I never gave any form of consent for Equifax to store my personal information, and I especially never gave consent for them to leak this information to the public.
Consumer complaint received 2022-11-17
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)

In a accordance with the fair credit reporting act XXXX  account 's that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to address the inaccurate information that is currently being reported on my credit report by your agency. On XX/XX/year>, I submitted disputes to XXXX, Equifax, and XXXX regarding certain accounts listed on my credit report, citing violations to my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite this, I have not received any response from your agency within the mandated 30-day period. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these disputes. It is imperative that you take prompt action to rectify the inaccuracies on my credit report. 

Specifically, I have identified several violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) in relation to the disputed accounts : FCRA 623 ( a ) b ) violation : Your agency has failed to mark the disputed accounts as disputed, as required by law.

FCRA 605 ( c ) violation : The reporting period on the disputed account has been inaccurately calculated, as it reflects the date of last activity rather than the last date a payment was made.

FDCPA 809b violation : Your agency has repeatedly failed to provide validation of the collection account, as outlined by the Federal Trade Commission ( FTC ) opinion. 

I demand that you take immediate action to correct these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal remedies to ensure my rights are protected. 

Please acknowledge receipt of this letter and provide a timeline for resolving these disputes. I can be reached at the contact information provided above. 

Thank you for your prompt attention to this matter.