davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (GA)

I am unaware of the debt with IQ Data International Inc Collection Agency, and they have not provided validation of the information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report for account # XXXX. If in fact you feel I have received proper notification, please provide a copy of the certified mail receipt with my signature. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) this collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. IQ Data International Inc Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am disputing owing any and all debts. I am also revoking all rights of communicating with me through email text or calls. I am requesting debt validation, a purchase agreement between myself and the original creditor, and to furnish proof that you are licensed and bonded. 

XXXX XXXX Without Recourse XX/XX/2024 2024
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

Please refer to complaint number XXXX filed on XX/XX/23. Experian response stated that I did not give specific details. The documentation that was uploaded was very specific. Experian was instructed to removed certain accounts, update personal information, and correct inaccurate information. I have been disputing with this entity for XXXX XXXX and I have provided an abundance of evidence supporting my disputes. I have asked for several documents and none has been provided. Experian is obligated by the FCRA to report accurate accounting. Experian is liable under the SEC ( Securities and Exchange Act ). All rules must be adhered to. Experian CIK number is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be auditing consumer account. Experian is securitizing consumer data.
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TX)

This complaint is reference to inaccurate information that is currently been reported to my credit report. I reach out to this company ( Exeter finance llc ) serveral time to correct this issue of inaccurate repossion in remove it from my report in this complaint I submit to consumer financial protection bureau the police report to show that the car was stolen in recoverd by ( Exeter Finance LLC ) is not repossessed in fact this company failed to contact me once the vehicle was recoverd which is clear breech of are payment aggrement prior to the vechicle being stolen request the CFPB investigate this matter this company is clearly in violation of said statues in law s15 USC. 1692j / 15 USC.1681
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NY)

At about XXXX, on XX/XX/XXXX I received an alert from XXXX. My credit score was lower, and there was a hard inquiry from JPMCB Card Servies. I did not apply for a credit card.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Federal tax refund was reduced From Credit acceptance of the amount of {$4200.00} of my total {$9700.00}. I had reached out to credit Acceptance on XX/XX/year> & XX/XX/year> was told by XXXX that my account was closed and no balance from Credit Acceptance, Therefore, aware of the Refund offset. I have enclosed a copy of the Title of Closed Account and Federal Transcript for view. I would like to be refunded the whole amount that was offset by this company & Compensation for the financial hardship it has caused.
Consumer complaint received 2020-08-28
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. (KS)

All three credit bureaus are stating that my XXXX XXXX XXXX XXXX  account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

I have a bunch of student loans that are apparently thru Nelnet, which I have never even applied for thru on my credit. Looking at a current copy of my credit report thru XXXX, it has no method as far as the dates and order that they are listed on my report. I find it odd that they jump around? As I did have student loans, I have always chosen income based repayment not sure what these terms are for these loans. It also puzzles me looking at how many are listed? When I applied for a loan thru XXXX XXXX, I requested XXXX amount, XXXX and I think they approved it XXXX, then XXXX, but I'm not 100 % on exact amount. However, they did not list each dispersement as a separate loan ; it was XXXX loan that was given to the school and the financial aid department then released funds every semester. This private loan wasn't even applied for until XXXX, and I graduated XX/XX/XXXX. I have no idea which school these loans are even for. I have disputed the Nelnet previously but it looks like it only multiplied them, from my point of view only having a phone as I have been experiencing a hardship that is due to identity theft that I also believe may include money laundering as the information I have found is that my personal info is slightly altered like d.o.b ore name spelling as to move money like any lump payments, inheritance unknown and even reward/award funds that were unexpected and a chance for the fraud. As I have been dealing with this since XXXX and I have become less capable to focus all my attention on this situation due to the result that has led to loss of resources like a place to live due to illegally being evicted, closed credit accounts from duplicate cards n technology hack that mirrored everything causing confusion n misdirected charges n credits. I have no co signer ore other attachments that have the power to open accts in my name ore make financial decisions. I am curious to get the information on these accounts so I know the profile info to verify like driver 's license number n d.o.b., address when applied, ph number used at the time. I would like to know which school I went to and what kind of degree I received if any. What kind of terms for repayment was agreed because living on fixed income, I usually choose income based repayment plan as it only last 10 years n payment are forgiven if not paid in full by that time aside from normal deferment if my current situation is still not able to make payments due to income to low and living expenses too high. So not sure what ore why this is on my report, would like copies of application and all requested above ore have it taken off my credit report as it is causing more hardship and I'm already barely living in my car as it is on its last leg.
Consumer complaint received 2024-02-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

Purchase a {$200.00} Vanilla Visa gift card at XXXX on XXXX Gave to son for XXXX. He attempted to use the card but was declined. I contacted the company phone # on XX/XX/XXXX, XXXXand was advised there is still {$200.00} on the card. They requested email with my Driver License picture, pic of front/back of gift card and receipt from XXXX purchase of card. I sent requested info on XX/XX/XXXX. Was told to wait 1 week for response. 
Called back on XX/XX/XXXX, was told it would be another week. 
Called XX/XX/XXXX spoke to manager and was told a new card would be received by XX/XX/XXXX. ( 53 minute call ) XX/XX/XXXX no card received yet. 
Called XX/XX/XXXX. Still on hold ( been 25 minutes at this point ).
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Originally I was with XXXX XXXX now XXXX XXXX in XXXX for 20 years. I was a victim of fraud. I was able to get some of the charges back however there are other companies still involved. XXXX sent me a check at the end of XX/XX/year> for approx. $ XXXX. The check bounced. It was on hold for about 10 days. I cashed out $ XXXX to pay bills. I was told a couple days later the check bounced and to bring up the money, I then finally was paid by my insurance for the fraud protection for $ XXXX which I paid the bank in full. I was told they would not put a flag on my account UNLESS I did not pay for it. I was sent a letter via registered mail. My mail lady did not deliver to me that friday. I had to go to post office when I was off on tuesday. By then my paychecks, my social security XXXX and my royalty checks hit the account and were rejected. It was not to happen like that overnight but it did. I was to have 30 days. They said sorry mis-communicated with back office. Can't fix now. So I had no access to my money. I had to wait to have everything resent. I opened with USAA Bank. I had a couple of fraud charges. I called them right away. They credited my account for it. Then I had a call tuesday XX/XX/XXXX my account is closed and I can not access my SS XXXX or my pays for 60 days??? I can not pay my rent. I have {$2.00} in my wallet. Scammers took my life savings and I am paying for it now.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I did not accept a loan offer from NetCredit, but I was interested in obtaining a loan for debt consolidation. I applied online through NetCredit.com and reviewed my offer. I was shocked when I saw the APR. NetCredit is charging 98 % APR for Installment Loans with biweekly payment terms. In Florida, this is not allowed as it exceeds the maximum allowable interest rate. Do not fall victim to this company.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Dear Sir/Madam, I am writing to express my grievance against PayPal regarding their handling of a fraudulent transaction on my account, which has led to significant financial loss and distress. This complaint highlights PayPal 's failure to conduct a thorough investigation into the fraudulent activities involving my account. 

Incident Overview : On XX/XX/XXXX, I inadvertently contacted a fraudulent tech support line, assuming it was PayPal 's official customer service. During a desktop sharing session, under deceptive pretenses, I was tricked into sharing my debit card information. This led to unauthorized transactions : {$980.00} transferred into my PayPal account, with {$890.00} subsequently sent to XXXX XXXX XXXX. Additionally, {$1800.00} was illicitly withdrawn from my bank account into PayPal. I detected the fraud, immediately ceased the session, and reported the incident to PayPal. I was informed by PayPal that they were able to freeze the transaction and will not release it to XXXX XXXX XXXX until a thorough investigation is concluded. 

Inadequate Investigation by PayPal : Despite my immediate action and a dispute case ( Case ID : XXXX ), PayPal concluded on XX/XX/XXXX that the transactions were consistent with my payment history. This finding is grossly erroneous. I have never engaged in any transactions with XXXX XXXX XXXX. Had PayPal conducted a proper investigation, they would have likely discovered that XXXX XXXX XXXX 's account was potentially created on the day of the fraudulent activity. Furthermore, the account likely received numerous incoming transactions, some of which may have been disputed. Such patterns are clear indicators of fraudulent activity, which PayPal seemingly overlooked. 

Impact and Request for Resolution : This situation has resulted in a financial loss of {$890.00}, including the {$890.00} sent to XXXX XXXX XXXX and a {$4.00} transaction fee. The lack of a comprehensive investigation by PayPal has caused me significant emotional distress and eroded my trust in their services. I am seeking a full refund of the said amount and demand a detailed explanation from PayPal regarding the lax nature of their investigation. 

I also request the Consumer Financial Protection Bureau to scrutinize PayPal 's practices in handling such fraud cases. It is essential to ensure that PayPal and similar institutions have robust mechanisms to protect consumers from similar frauds in the future. 

The handling of my case by PayPal has highlighted serious deficiencies in their fraud detection and customer protection protocols. This incident underscores the need for more stringent regulatory oversight in the digital finance sector to safeguard consumer interests. 

Thank you for considering my complaint. I am prepared to provide any additional information or documentation necessary to assist in this matter. I look forward to a prompt and effective resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed a bankruptcy inaccuracy several times via certified mail and online dispute to the credit bureaus. The company has received my dispute each time. Upon receipt my request was to verify the information and once verified inform me of the source. The bankruptcy was verified through XXXX XXXX who stated they verified it through the courts. That is false information because the creditor in this case is the bankruptcy court who does not verify anything. They sent me a notarized letter stating this. XXXX XXXX is a 3rd party vendor and that was against FCRA. I have reached out several times with supporting documentation to have it deleted as this is false information they are reporting.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

The issues at hand relate to the following potential violations : Incomplete Reporting : Jefferson Capital Systems , LLC 's reporting fails to furnish adequate details regarding the veracity and comprehensiveness of the provided data. This omission contravenes FCRA stipulations mandating accurate and exhaustive reporting of consumer information.

Unlawful Collection Methods : Jefferson Capital Systems , LLC 's collection practices may violate 7311 ( b.1 ) of PFCEUA/FCEUA by attempting to collect amounts not expressly provided for in the original agreement creating the debt or permitted by law.

Deceptive Communication : Jefferson Capital Systems , LLC 's correspondence contains language that could be construed as deceptive, particularly regarding the nature of the debt and the implication that consumers must address discrepancies directly with credit bureaus, potentially violating FCRA regulations.

Failure to Validate Debt : there is a conspicuous absence of a purchase agreement substantiating the transfer and validation of the debt upon its acquisition by Jefferson Capital Systems , LLC. FCRA mandates furnishers to furnish a comprehensive validation of debt, inclusive of any pertinent documentation affirming the legitimacy of the debt. The absence of such documentation raises significant doubts regarding the veracity of the reported information and underscores potential violations of FCRA, PFCEUA/FCEUA, and pertinent legal statutes.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MD)

Recently Discover Card reduced my credit limit, citing " no collateral. '' My monthly payment has never been late and I do not use the card any longer. I told the representative who took my complaint that I was effectively being punished for using my card and paying on time. This event has impacted my credit score which affects my financial well-being. As a senior citizen, I can not afford such egregious tactics.
Consumer complaint received 2021-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

There is unrecognized inquiries on my credit report which i didnt authorized. These inquiries is showing as hard inquiries on my credut report on XXXX only. 
An inquiry was made to XXXX XXXX through XXXX bank on XX/XX/2021 and XXXX Saks 5th Ave on XX/XX/2021. 

I disputed these inquiries with XXXX to get them off my credit report. The result that came from their investigation was for me to contact the company who reported those inquiries. 
I have contacted both these companies, they both have nothing on file that i was trying to request credit or opening an account.
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

LexisNexis continues to report inaccurate information my name is XXXX XXXX XXXX there should be no other name on my report. My address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX there should be no other address on my report. Delete any other address that is present on my report. 

Remove any numbers listed on my report. My only employer is XXXX XXXX and XXXX XXXXXXXXXXXX XXXX XXXX remove any other employer it is not mine. 

You are required to report accurate information stop requesting my ID and SSN I have attached them to the complaint.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In a previous complaint # XXXX I filed with the CPFB on XX/XX/2021 I was awarded non-monetary relief by the Capital One Credit card company. They responded to my original complaint by stating they would reinsert the credit card account ( ending XXXX ) in my XXXX credit file. 
My complaint is that the tradeline was NOT reinserted in my XXXX credit report and therefore did not do what they said they would do. 

I have attached the previous complaint and a copy of my XXXX credit report.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Have had many issues with XXXX and USAA investigation into concerns. It seems retaliatory in nature as ever since Ive raised concerns with CFPB, USAAs imposing stricter timelines and actions on me. 

Was just notified electronically that a credit reversal will take place on XXXX thats literally only 5 business days. It takes longer to receive the credit and Im not confident in the investigation.

In any case, 5 business days is not sufficient to plan {$760.00} debit in todays economy. Whats with the inconsistency in timeline for credit reversals. 

I plan to seek outside assistance as Im confident that not all credits are reversed with 5 days notice- in fact I can prove this.