davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I signed up with venmo but I could not connect my bank account with the app. That's when I reached out to their customer service, who requested me to verify my identification by uploading my drivers license. Of which I was happy to do, but then after fiddling with the app, I find that once requested a debit card be mailed to my address, I was then able to link my bank account and did successfully upload {$700.00} into the Venmo account on XX/XX/2021. But since that day on, my account had been frozen. Venmo representative said that there were some policy violations. I can not for the life of me figure out what that may be because I haven't done anything with the account aside from loading {$700.00}. Now they are asking me to verify that I own my banking account by requesting some very sensitive information in the form of my monthly statement, which I am refusing to do because there was no plausible reason for any violation, or why my account is frozen. I just think this company is a scam attempting to hijack the money. I've since contacted my banking institution and had filed a claim. I've also have a claim at the XXXX  services. Everyone should be aware of these crooked company and their ill gotten services and withholdings.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently received a hard inquiry for a credit card from capital one that I did not apply for. 
The Application id # is XXXX Date received : XXXX XXXX And the fraud representative for the company that I spoke with was named XXXX.
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. (MN)

I believe I was a victim of the Equifax hack and have had my personal information stolen sometime between XX/XX/XXXX and XX/XX/XXXX. I am closely monitoring my accounts for suspicious activity. I have placed a 90 day fraud alert on my files as of XX/XX/XXXX. Currently, I suspect a line of credit from XXXX XXXX for {$10000.00} to be opened under my name falsely.
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$9200.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2023-01-29
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-12
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. (PA)

XXXX XXXX is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b Trans Union is in violation of 15 USC 1681b XXXX is in violation of 15 USC 1681b
Consumer complaint received 2021-09-12
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: General Motors Financial Company, Inc. (PA)

GM Financial is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b XXXX XXXX is in violation of 15 USC 1681b XXXX is in violation of 15 USC 1681b
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

there are several accounts that I have tried numerous of times to get corrected on my credit report and they keep coming back as verified however they are still reporting incorrect. I have requested that they provide information on how these are being verified and I have no results. I have disputed them again but I need help. 

1. XXXX XXXX amount of {$800.00} and {$3100.00} -- I do not owe this I have never lived at this address associated with the account. I never lived at XXXX XXXX XXXX, never had an electric bill there the address nothing ties me to this place and does not even show up on my credit report. 

2. XXXX XXXX -- first the date says opened XX/XX/XXXX, I did not live in XXXX I have lived in XXXX Florida Since XX/XX/XXXX. In addition the original creditor on this was XXXX a small company in XXXX, this account was paid in full many years ago. it was for furniture. I do not owe this debt and don't know why it's in collection this was paid and closed with the original creditor. 

3. XXXX -- Showing open date of XX/XX/XXXX, I did not open any accounts in or around this time. the original creditor on this was XXXX and I opened account with them in around XXXX, or XXXX but most importantly I purchased extra insurance to pay the account in case of unforeseen issues. which I lost my job in XXXX and the insurance company paid this account in full. I do not owe this debt. I have explained this numerous of times but they are failing to remove and I have asked they provide me with documentation to verify the debt and have been unsuccessful.
Consumer complaint received 2019-11-11
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. (FL)

there are several accounts that I have tried numerous of times to get corrected on my credit report and they keep coming back as verified however they are still reporting incorrect. I have requested that they provide information on how these are being verified and I have no results. I have disputed them again but I need help. 

1. XXXX XXXX amount of {$800.00} and {$3100.00} -- I do not owe this I have never lived at this address associated with the account. I never lived at XXXX XXXX XXXX, never had an electric bill there the address nothing ties me to this place and does not even show up on my credit report. 

2. XXXX XXXX -- first the date says opened XX/XX/XXXX, I did not live in XXXX I have lived in XXXX Florida Since XX/XX/XXXX. In addition the original creditor on this was XXXX a small company in XXXX, this account was paid in full many years ago. it was for furniture. I do not owe this debt and don't know why it's in collection this was paid and closed with the original creditor. 

3. XXXX -- Showing open date of XX/XX/XXXX, I did not open any accounts in or around this time. the original creditor on this was XXXX and I opened account with them in around XXXX, or XXXX but most importantly I purchased extra insurance to pay the account in case of unforeseen issues. which I lost my job in XXXX and the insurance company paid this account in full. I do not owe this debt. I have explained this numerous of times but they are failing to remove and I have asked they provide me with documentation to verify the debt and have been unsuccessful.
Consumer complaint received 2019-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

I called Carhop at XXXX on XX/XX/2019, XXXX a senior manager at Carhop answered the phone. I proceeded to tell her I was frustrated because I called over two weeks ago and set a payment arrangement up with an agent because I was unable to pay on time and that agent from two weeks prior never cancelled my auto pay causing my bank account to overdraft twice since then and I was frustrated that I was getting calls and emails saying I needed to set a new arrangement along with over drafting my bank account multiple times since then. I let XXXX know I needed to set a new payment arrangement now and that I was able to pay everything current on XX/XX/2019. She advised me because they sent another auto pay through today I couldn't set a new arrangement and I needed to callback on Tuesday maybe Wednesday after the payment comes back NSF and that I would need to make a payment to set a new payment arrangement again, I became extremely frustrated that I was having to continue to call back and set new arrangements up along with them over drafting my account again, as I was explaining to XXXX how frustrated I was that they didn't cancel my auto pay when I called to set an arrangement previously and advised I couldn't pay, she proceeded to tell me I needed to be quite and listen to her so then maybe I would understand. She proceeded to tell me if I didn't pay something when I call back on Tuesday or Wednesday of next week that my vehicle could be disabled. She continued to cut me off while I was speaking becoming very abusive to me and continuing to tell me to be quite while I was venting why I was so frustrated, XXXX then proceeded to tell me I was being rude and she was going to hang up on me, she hung up the phone on me. 

I called carhop back at XXXX XX/XX/2019 after being on hold for 6 minutes and 22 seconds, someone picked up didn't say anything and hung up on me I, for a third time, called Carhop again XXXX on XX/XX/2019 when someone finally picked up I asked to speak with a manager, the  woman got another senior manager on the phone named XXXX got on the line at XXXX on XX/XX/2019. When I explained what had happened with XXXX to XXXX she proceeded to tell me it was my fault that I didn't ask to cancel the auto pay and it's not their fault they over drafted my bank account. I explained if someone is calling saying they are unable to make their payments on time and is setting up a payment arrangement why would they not cancel the recurring payments they are set up on, XXXX stated it didn't matter and it was my fault for not asking to cancel them when I set the payment arrangement. I became extremely frustrated again and XXXX told me she was going to hang up on me and I could callback again and speak to someone else. I advised her I want to file a complaint with them for the way XXXX and now XXXX have handled the call, XXXX continued to talk over me and said she was hanging up and disconnected to call on me.
Consumer complaint received 2020-07-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

After reviewing my credit report I found inaccurate information on Equifax. I wrote them on XX/XX/XXXX, they have failed to respond or update my account accurately.
Consumer complaint received 2019-11-11
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. (OK)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
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 information incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/XXXX, I filed a dispute with XXXX regarding a trade line reported by Specialized Loan Servicing, due to inaccurate balance and payment history data reported. On XX/XX/XXXX,  the balance of the trade line was updated to the correct amount ( {$0.00} ), yet the paid history continues to show a charge off date of XX/XX/XXXX when the date of first delinquency was XX/XX/XXXX ( in  violation of the FDIC 's Uniform Retail Credit Classification and Account Management Policy ).
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUS-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I demand THE BUREAUS XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. THE BUREAUS-XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.
Consumer complaint received 2023-01-11
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. (MD)

on XX/XX/XXXX i sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating " They do not report any bankruptcies to anyone '' so if that is the case hoe did the credit bureaus verify my bankruptcy as 100 % valid. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

they also violated my rights numerous of times.

the credit bureaus violated my given rights under 15 USC 1681.

states i have the right to privacy.

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

according to 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a accont without my written instructions according to 15 USC 1681 s-2 A 1 a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (GA)

We are receiving PAU through the Georgia Department of Labor using the Way2Go card and we have been unable to get our funds as needed. We have contacted the company several times without our problems being fixed. We are unable to use it at ATMS to withdraw cash regularly and within the XXXX $ limit. We are unable to transfer funds to our bank account. We are unable to use it online regularly with food or ride purchases. One minute it works and the next its declined without reason. They did what they called a whitelist 6 times now and each time its done we can't use the card for 24 hrs. I have been unable to feed my family or purchase a transmission for our vehicle due to these issues which is keeping me from returning to work. We can't even get to a grocery store for food or other needs. Again one minute the card will work and the next its declined without reason. We need a resolution to these problems not only for myself but for all of the Georgians receiving these funds. I only hope that we are able to fix these issues so our georgia families are taken care of.Thank you for your time
Consumer complaint received 2018-01-04
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: Experian Information Solutions Inc. (TX)

I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was " These item are factual record of file access. '' My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX EXPERIAN XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 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: EQUIFAX, INC. (IL)

There are several fraudulent account & inquiries on my credit report. I have contacted Equifax several times providing police report verifying why this information needs to be removed permanently from my report. XXXX XXXX XXXX does not belong to me along with the following inquiries XXXX XXXX XXXX, & XXXX XXXX.
Consumer complaint received 2019-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

i.am the president of XXXX XXXX XXXX XXXX corporation. here are the fact a Limited Liability company is a corporate structure in the untied state. where by the owners are not personally Liable for company debts '' limited Liability companies are hybrid entities that company. the charactenstics of a corporation with those of a partnership of sole proprietorship as of XX/XX/2019. are not responsible for debt of the company. unless it there is a personals Guarantee ''. created in that state there are Law state that a business owner not be Legally forced to used there personals money to pay corporation debt mere fact that the debt is only XXXX and we will pay the debt : the client only want the bank XXXX XXXX  to validation. We do not believe that the invoice is XXXX why would a bank turn over a invoice with a balance that so small.
Consumer complaint received 2018-07-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (VA)

XXXX XXXX is making me payback my loans of {$85000.00} at {$1200.00} a month. This is roughtly 41 % of my gross pay every month. After taxes my yearly income is about $ 36-37,000. I am unable to pay 41 % of my paycheck each month for just student loans. This is literally killing me especially with other expenses to worry about.I called the company and they said they couldnt do anything about it.