davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (OK)

This company runs an apartment complex called XXXX XXXX in XXXX  XXXX, Oklahoma. In XX/XX/2021, we completed our month-to-month lease with the proper 30 notice. We left because the apartment had become uninhabitable. There was no air conditioning when it was over 94 degrees outside. Roaches, vermin, wasps, raw sewage leaks, and an abandoned apartment below us was being used by homeless vagrants regularly. Gunshots were fired every night. We gave them a 30-day notice even though we didn't have to due to the living conditions. In any other state, they would be considered a XXXX. They now put a collection account on my credit without properly informing me of my right to dispute this claim. I have plenty of video and picture evidence to show they are in fact a XXXX  and were making us live in unsafe conditions.
Consumer complaint received 2021-06-24
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: United Revenue Corporation (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is ( XXXX XXXX ) and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-13
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)

1.XXXX  ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 3.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 4.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 5.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 6XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 7.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and XXXX am not benefiting from these inquires Transunion, XXXX, XXXX ) 8.XXXX XXXX  Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 9.XXXXXXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and XXXX am not benefiting from these inquires Transunion, XXXX, XXXX ) 10.XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX )
Consumer complaint received 2019-06-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc.  ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IL)

I just received an email after I submitted a complaint about PayPal denying my XXXX XXXX claim, they decided to close my account without giving me any specific reason. They just said they are closing my account due to risk. Ive had the account for over 3 years. On top of that they are staying any money that comes into the account will be held for 180 days. They are basically stating they will hold onto to any money for 6 months. Please help
Consumer complaint received 2022-04-26
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. (TX)

Sent letters multiple times to Transunion to remove these Hard inquiries and they will not comply. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc. (CA)

COMPANY CONTINUE TO SEND DEMAND NOTICE FOR FRAUD ACCOUNT NOT MINES, ACCOUNT OUTDATED OVER 6YRS OLD ( CALIFORNIA STATE STATUE OF LIMITATION HAS EXPIRED TO COLLECT 4YRS OPEN ENDED CREDIT CARD ACCOUNT ), COMPANY VIOLATES " FDCPA, FCBA AND FCRA '', FORMAL COMPLAINT FILED WITH " XXXX '' CASE # XXXX
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this Capital One account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. This account needs to be removed from my credit files immediately.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On this date company opened a collection. 
Account # XXXX {$2400.00} that I owe I have never signed a written document saying that I owe this debt to collector. 

They are violating my rights as a FCRA as a consumer. 

I dont not know who they are no written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus.
Consumer complaint received 2021-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 
The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 
They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 

XXXX ACCOUNT # XXXX Please exclude this account from my consumer report. 

2.XXXX  XXXX Bank Account # XXXX Please exclude this account from my report. 

3. XXXX XXXX Account # XXXX Please exclude this account from my consumer report 4.XXXX XXXX Account # XXXX Please exclude this from my account. 

5.XXXX XXXX Account # XXXX Exclude this from my consumer report. 


XXXX Account # XXXX Exclude this from my consumer report
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Americas Car-Mart, Inc. (TN)

1.I have never had an account with this company COLONIAL AUTO FINANCE XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COLONIAL AUTO the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2021-08-20
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 (MI)

I've been trying to open a dispute for XXXX since XXXX of XXXX and discover has been refusing to, i even spoke to a supervisor who sent me to the billing department who failed to open it and even tried following up with them again and got nowhere this is all reflected in my chat history. their app also sucks and informed them that it just crashes in the messaging portion of it, online through the actual account does the same thing. additionally i will not work with anyone named XXXX at discover and he should not be involved once this complaint kicks over to them. 
Order date was around XXXX. Returned XXXX
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (FL)

As of XXXX XXXX, I was reported by XXXX XXXX XXXX. As a debtor of a fraudulent debt that was opened using my partial personal information, in XX/XX/2020 I contacted them to try to resolve the situation and they told me that they would send me a package by mail which was sent XX/XX/XXXX and returned to They with a copy of my driver 's license, a copy of the police report and an affidavit, as verification of my identity, today, XX/XX/XXXX, I contacted them again by phone and they told me that they were going to reopen the case, sending me another package by mail so that I could send them the same documents because they had exaggerated it, I asked to speak with a supervisor and explain my situation, but she ignored and told me that she was not going to take any action until they received that package again. 
According to FTC. This practice is illegal since they have to report 100 % accurate information and have 30 days + 15 to resolve the dispute, until today it has been more than 70 days since this investigation began, which is twice the time required by law, therefore I require that they immediately remove that debt from the credit bureau and pay me {$1000.00} dollars per month after the 30 days mandatory by the FTC, as collateral damage.
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Used cashapp  via Square ( XXXX XXXX XXXX ) to attempt to purchase something. Ended up being scammed by user. Have reported to Square with no followup. Have screenshots showing attempt to purchase and no response by user with followup communication blocked. 

Have also further information showing same user attempting to scam other people. 

Was expecting Squares cashapp to be secure and have fraud protection since they are a legit finance company in the US, and also verified identity to setup account.
Consumer complaint received 2022-09-16
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. (CA)

My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX was victim of XXXX  XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX .I was victim of XXXX XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

This is my 3rd complaint on this matter. Usaa sent my vehicle out for repossession status. I paid all back owed. Usaa is still improperly reporting past due on the account. I paid all past due balance, usaa is reporting wrong information
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (PA)

I financed a car through ally financial in XXXX and paid for XXXX insurance. In XX/XX/XXXX the car was totaled which the insurance paid for and whatever was remaining was paid for by XXXX insurance. I had no idea about a balance being open or where it can from. I was also never late and always paid, and you would see this is the only account on my report with issues but no others. I filed for unsecured credit card debt chapter XXXX after a divorce in XX/XX/XXXX and I know that its on my report. However, ally is using that and staying on my credit damaging it so I dont get loans and wont talk about where this amount came from.