davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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 (IL)

Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account, registered under the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated, as I have not had the opportunity to conduct any transactions or use any of the features of your service. I am unsure of the reason for the suspension and would greatly appreciate an explanation. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HUNTINGTON NATIONAL BANK, THE (MA)

XX/XX/XXXX, I went through dealership financing and approved for an auto loan with Huntington Bank. Following an auto collision in XX/XX/XXXX I contacted the lender Huntington Bank directly. The lender representative verbally told me they have no proof of insurance on a financed vehicle for me. Also confirmed they never sent any written communication to me to notify they never received proof of insurance from the insurance agency or dealership. It is in my belief Huntington Bank approved and manages auto loans without verifying consumers obtain and maintain full coverage insurance on financed vehicles, in return putting consumers at greater risk to default on loans
Consumer complaint received 2022-11-27
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. (OK)

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-11-27
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. (IL)

I sent Experian a dispute letter on XX/XX/2022 demanding they delete multiple accounts on my credit report. Experian violated my rights as a consumer and published my personal information without my consent, I never gave Experian permissible purpose. I never wrote to Experian telling them they can publish my information. By law I have the right to exclude what I want from my credit report and I don't want these accounts being reported.
Consumer complaint received 2022-11-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the Fair Credit Reporting act Portfolio Recovery Associates , LLC 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 also states a consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

This is not a refusal to pay an alleged debt! TRANSWORLD SYSTEM INC claims that I am obligated to pay them an alleged debt associated with account # XXXX. TRANSWORLD SYSTEM INC shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If TRANSWORLD SYSTEM INC can not provide the original instrument or proof that it still exists, then TRANSWORLD SYSTEM INC shall send me an original statement affirming that TRANSWORLD SYSTEM INC did not sell the original instrument because if TRANSWORLD SYSTEM INC didn't sell the original signed instrument of indebtedness ; then TRANSWORLD SYSTEM INC should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when TRANSWORLD SYSTEM INC produces the original instrument or proof that it has not been sold, which proves that I am obligated to pay TRANSWORLD SYSTEM INC. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX, and TRANSWORLD SYSTEM INC that shows I agreed to do business with TRANSWORLD SYSTEM INC XXXX with DELMARVA POWER or on behalf of XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Consumer complaint received 2022-11-27
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: ERC (CA)

MY MAIL BOX WAS BROKE INTO XXXX XXXX MY IDENTITY WAS STOLEN I DID A POLICE REPORT. MY CHECK WAS STOLEN AND CREDIT CARD RECENTLY SOMEONE HAS GOT FULL EDUCATION IN MY NAME ALSO XXXX  XXXX  AND A CAR I HAVE BEEN FIGHTING TO REMOVE ITEMS FOR THE 2 YEARS NOW. ENHANCED RECOVERY COMPANY FOR THE AMOUNT OF XXXX OPEN XXXX  XXXX XXXX FOR XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX FRAUDENTLY
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (NY)

THE COMPANY WHICH IS LISTED HAS FAILED TO ASSIST ME WITH MY PROBLEM WHICH HAS CAUSED LIFE VERY STRESSFUL AND HAS CAUSED ME TO LOSE MY JOB AND BEEN LOSING ON ALOT OPPORTUNITY. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2022, I contacted Portfolio Recovery requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$310.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
Consumer complaint received 2022-11-27
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: AMERICAN EXPRESS COMPANY (CA)

I just read the dispute I have with American Express. The following statements from American Express are fault. 
1. I booked XXXX business class tickets not XXXX. 
2. I was trying my best for 2 years to provide documents and send them to the insurance.

3. It is completely irrelevant with whom American Express back secures its credit card offers. My contract partner was American Express not a unheard of insurance. 
XXXX. XXXX XXXX  in the beginning of the lockdown was vanished. No one answered the phone! I was unable to retrieve any documents from the airline. To use this situation during XXXX lick down of the entire city of XXXX XXXX is to he ashamed for. 
5. I had contact with American Express more then 90 times in this matter. After 2 years and no results I told American Express due to breach of contract I will stop payments until this matter is resolved. 
6. My account was closed and I did not charge any additional amount to the card.

7. American Express has placed my account several times under past due and back to investigation. By keeping the card Itself blocked.

This procedure damsged my credit more then 200 points.

8. American Express new upfront I will stop payments untill this problem id resolved. Reported was thst I did nit pay my bill. I paid the bill just not onto the American Express account.

9. As requested before, reinstate my account, reenstate my credit, and I will resume payments
Consumer complaint received 2022-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (WI)

This is my second complaint against New American Funding. After the first one they said they would not try to have someone change the locks on the home I am selling but on XXXX day they sent someone to put a vacant notice on the door and threaten again to do it. They did this on the 24 only leaving 3 days to respond. Which again I am monitoring and taking care of the home so I got the notice today. I had taken the home off market for a week to then put it back on after some changes. The day before it goes back on they do this. It is impacting my ability to sell the home and causing undue duress on this whole process. The company they are using is XXXX XXXX whose company profile/reviews are not stellar. This I believe is an attempt to extort more money from me while I sell the home.
Consumer complaint received 2022-11-27
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. (NY)

Most of the hard inquiry and soft inquiry request on my credit report was never done by me by these companies that I never applied for no kind of credit or anything like that I called them and explained to them and they told me that they can not do nothing about it
Consumer complaint received 2022-11-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), have violated my rights. 
15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2022, I contacted Midland Credit Management requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$720.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
Consumer complaint received 2022-11-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (DE)

Back in XX/XX/2022, I had specifically asked PennyMac Mortgage to make a payment arrangement on my mortgage. I needed an extra week to pay my mortgage due to repairs needed on my automobile which placed me into a financial deficit. I asked the mortgage company if the arrangement would effect my credit score and if so by how many points? In response their rep said, " I don't know for sure, but we can make the arrangement. '' Also, this has effected my wife 's credit score drastically too because we are joint owners of the mortgage. My payment was on time, however, it cleared 3 days past my due date. I called PennyMac and management said they would work with me, but they said they couldn't remove it from my account. They told me to put in reports to the XXXX credit bureaus. XXXX didn't record the payment as late since it was only 33 days, but XXXX and XXXX would not. I talked to their reps and they told me to call back PennyMac. It's been a XXXX " cat-n-mouse '' and I started to give up, until I was made aware of CFPB via online searching. Before XXXX I had NOT missed a single payment with PennyMac and came through on my end of the agreement. I haven't asked for CARES Act assistance nor did I file for foreclosure because I didn't need any just a once off occurrence in XXXX. This one incident has crippled my credit and I may need to purchase a new car sooner than later, but this 30 day late payment on my credit has hurt. Can't build and make solid credit based consumer purchases with this on my credit report. Please help!
Consumer complaint received 2022-11-27
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. (NC)

I have submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 Experian, XXXX XXXX and XXXX. 
XX/XX/22 Experian XXXX XX/XX/22 XXXX XXXX XX/XX/22 Experian
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MI)

Insert Table Chart a Untitled - Edited Text Shape Media Comment I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-11-27
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. (PA)

I was viewing my consumer report and noticed accounts names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
Consumer complaint received 2022-11-27
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. (IL)

I noticed two credit inquiries on my credit report in the past two weeks that I did not make. One, to XXXX XXXX on XX/XX/XXXX, resulted in a XXXX being sent to me. I contacted them and they cancelled it. They then recommended I contact this site. 

The other one, from XXXX XXXX XXXX XXXX XXXX XXXX, I have not yet contacted.
Consumer complaint received 2022-11-27
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 an 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 2022-11-27
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: Capio Partners, LLC (FL)

I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. 

They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Consumer complaint received 2022-11-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (ME)

I was charged a higher interest rate on my car loan because of my XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I asked for accommodation and time due to my XXXX XXXX They refused to give me an extension and threaten to repossess the car.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (CA)

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2022-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (WA)

On XX/XX/XXXX I received a letter from my mortgage company, Vanderbilt Mortgage. The letter was dated XX/XX/XXXX. The purpose of the letter was to inform me that the servicing responsibilities for the loan were being transferred to XXXX XXXX XXXX and that this is effective as of the XX/XX/XXXX payment. I have had loans sold before but never with this short of notice. The law appears to require them to give me at least 15 days notice. The date of their letter was 15 days before the payment date, but that date doesnt count. The clock should start when I am notified, which was when I received their letter. Please hold them accountable for short cycling everyone to whom they did this. With a XXXX XX/XX/XXXX letter, the effective date should have been XXXX XX/XX/XXXX. I have auto draft set up with Vanderbilt, so in order to get back to that, I will have to make at least one separate payment to the new outfit. And as of XX/XX/XXXX, XXXX XXXX XXXX hadnt received my loan information from Vanderbilt, so I cant even make that payment yet. This is completely messed up. I recognize that the new lender has to give me a 60 day grace period for late payments, but if Vanderbilt had done their job right, this could have been seamless and there would be no need to rely on any waivers.