davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

My loan was originally with XXXX and earlier this year they transferred it to XXXX Loancare and ever since it's been nearly impossible to reach anyone to speak with or to get a straight answer. Most of the people I speak with have contradicted each other. At least one woman told me information that later turned out to be false : she said I would be offered a 3.125 % interest rate if I did a loan modification. But when the loan mod offer arrived it was for the exact same interest rate ( 4.125 % ) I currently have but they extended the term of the loan to 40 years. Previous to that I received an email on XX/XX/XXXX from Loancare stating I had " been approved for an initial forbearance plan or extension of your current plan. '' But then when I called in after that they said I wasn't eligible. It has been confusing and frustrating. Eventually I requested the loan modification offer with the understanding it would be a lower interest rate and when it arrived it wasn't lower. I've currently been on hold for 41 minutes and counting trying to understand what my options are if I reject the loan mod offer. I reached someone named XXXX and asked what my options are and she said she needed to put me on on hold to look into it. that was over 30 minutes ago. This is predatory lending. The email address they told me to contact them at ( XXXX ) is invalid. The forbearance plan offer also lists someone as my mortgage resolution advocate XXXX XXXX XXXX XXXX and his phone number as the general phone number for loancare which takes forever to reach a representative and is impossible to navigate through. There's no extension for XXXX nor is there an option to enter an extension anyways. Also none of their correspondence lists where to mail payments.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Crossroads Systems Inc. (LA)

I received a PPP loan from capital plus financial into my XXXX  XXXX savings account. XXXX  XXXX  allowed me to make a withdrawal from the branch for some of the funds. Then, the bank put a restriction on both bank accounts and are withholding the remaining funds. I need some assistance on getting those funds sent back to me. Thank you.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Atlanticus Services Corporation (LA)

I purchased credit protection. Credit protection was approved on XX/XX/2024 due to unemployment, yet Aspire has been destroying my credit score since credit protection was approved on XX/XX/2024. I was advised that this the way Aspire 's credit protection functions. XXXX advised me that any over the limit amount or past due amount will be reported to the credit bureaus until the cardholder pays the past due balance. XXXX advised me that Aspire will cover the minimum amount due and that is all. I was very upset and I asked XXXX why Is Aspire misleading and lying to their cardholders? XXXX did not answer any of my questions and would not transfer me to a supervisor or XXXX. I could not believe what my ears were hearing ... .. that my credit and credit score will continue to be hurt while credit protection is approved and in effect. Aspire is lying to their cardholders
Consumer complaint received 2024-01-30
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 Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a committed PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation.

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

This company claims that I owe a balance to them, yet they do not have a complete repayment history, Promisory Note or sufficient origination documentation to support the claim. The payment history they can produce reflects the introductory interest only payments well into the full repayment period. I have tried over the past two years to resolve the problem. I have repeatedly requested the balance be reevaluated and told them that if there was a small remaining balance, I would gladly pay it. Each time I speak with a representative or specialist, they have little to no record of past communication, written or verbal. They continue to report negative information on my credit, and every time I try to dispute the debt reflected on their core system, I am told that I am responsible for providing documentation supporting that I don't owe this debt and that they are not required to keep any documentation older than one year. At one point I provided a claims specialist named XXXX with several statements showing that the loan was in the repayment period for a time when their records showed interest only. Those statements proved that I was paying more than double what their system records reflected. After that, Navient stopped reporting the balance to the credit companies. I thought the matter was over until the reporting started again and the company didn't have records of me working with XXXX. XXXX could no longer be reached on her " direct line '' and Navient reps said no documents were received. 
It is next to impossible for the consumer to compile deposit account records to show over a decade of repayment history and prove they no longer owe a debt. Shouldn't the burden be on the owner/servicer to provide documentation in order to accurately calculate a loan balance or prove that any debt is owed? I paid my debt timely and in good faith for the term of my loan. 
For consideration ... when my student loans were consolidated with XXXX XXXX, they were duplicated on their system and ultimately on my credit report. The error was discovered when I applied for a home loan, and was successfully disputed with the credit companies. The balance Navient is claiming is so large that I'm concerned the loan they are trying to collect on was a duplicate electronic record.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX Citibank Home Depot store credit card with a limit {$500.00} current payment status XXXX dollars is due this account is showing as negative payment on my account that should be removed from three the credit bureaus as of XX/XX/XXXX account number XXXX remove all late payments
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MD)

I did nice balance transfer offer w/ Citi about yr ago.

A few months back, was mailed limited offer of 5 % rebate on car rental/gas/hotels ending XX/XX/XXXX. While activating asked on phone if changed my 0 % rate -- No.

I bought gas a week ago, saw interest charge ( no normal pay by/due date? ) -- so used chat. Maddening. I must pay it off NOW to avoid interest. I will close the card once payment goes through. Very dishonest, maybe just inept. CROOKED.
Consumer complaint received 2024-02-27
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: ACIMA CREDIT, LLC (NC)

Subject : Cease Unauthorized Credit Reporting Immediately Invocation of North Carolina FCRA Identity Theft Fraud Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address a serious breach involving the unauthorized reporting of information to my credit report, a violation that contravenes both federal and North Carolina state laws, including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as pertinent North Carolina FCRA identity theft fraud laws. 

It has come to my attention that ACIMA DIGITAL FKA SIMP has engaged in unauthorized reporting to my credit report without securing my explicit consent, as mandated by federal and state regulations. Under the FCRA, explicit consumer consent is a prerequisite for any such reporting activity, as outlined in Section 1681b ( a ) ( 2 ). 

Moreover, North Carolina FCRA identity theft fraud laws, akin to those outlined in Texas, emphasize the criticality of consumer consent for credit reporting and underscore the severe repercussions of unauthorized access and misuse of personal information. 

I unequivocally state that I have not granted consent for ACIMA DIGITAL FKA SIMP to report any information to my credit report. This egregious lack of explicit permission constitutes a flagrant infringement upon my rights, potentially harming my creditworthiness, and displaying blatant disregard for federal and state laws. 

I demand, unequivocally, that ACIMA DIGITAL FKA SIMP immediately cease any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant North Carolina FCRA identity theft fraud laws. Failure to adhere within the prescribed 30-day timeframe will be deemed willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft fraud statutes. 

I emphasize that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA, North Carolina state law, and identity theft fraud statutes. This is not open to negotiation ; it is a demand for adherence to federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting practices. 

I anticipate your immediate attention to this matter and expect ACIMA DIGITAL FKA SIMP to promptly rectify these egregious violations, respecting my rights under federal and North Carolina laws.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Despite the multiple previous written requests, the unverified accounts 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECTED the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (FL)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit.

Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I've reported unauthorized fraudulent accounts to identitytheft.gov. Associated banks, unable to provide records, confirmed the report 's validity and pledged immediate removal. 
Accounts to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (MI)

I signed up for a checking and credit card XXXX 2023 looks like the XXXX. 
I was approved online for both accounts automatically. I received my debit card for the bank account, but the credit card never came. It says approved online but has never changed in status. I contacted the company multiple times trying to figure out why my credit card account only says approved and never officially opened. All I was told was they were putting in support tickets and I was a special case. They told me I would receive my sign-on bonus for opening both a credit card and checking account as soon as they got if figured out. It has been 4 months, and they still can not cancel my application or push it through. I don't want an open application that could go through randomly. So, I have asked them to cancel it since they can not seem to figure out how to finish processing it and they tell me they don't know how and can not. No one calls me back ; they send emails that you can't respond to and the only thing anyone says on the phone is they have put in a ticket for that.
Consumer complaint received 2021-07-07
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. (NC)

To Whom This May Concern, Pursuant to 15 USC 1681a under Exclusion section B, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) 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 services on credit. Congress said any card. The credit card is my social security card. This credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 3 ) ( e ) The term investigative 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 others 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. When a consumer report creates an investigative consumer report, they are not to include factual information and they're also supposed to interview my neighbors and friends or associates. Credit reporting is optional. There is no law saying that any consumer credit transaction has to be reported to a consumer reporting agency. A consumer reporting agency isn't a part of any political subdivision or the government. At the beginning of the FCRA under the congressional findings, Congress removed themselves from liability letting me know that this is an elaborate mechanism and you people assumed this vital role of reporting credit information. I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. If you do not remove it then you are civilly liable for reporting this information and it is inaccurate.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

I have filed two prior complaints today regarding M & T Bank. The first was a general complaint and the second was regarding the offensive manner in which M & T Bank communicates with customers. This third complaint is about the multiple sources -- customer service agents, the app and the website -- of false and misleading information stating that my funds are available while they are not. 

On XX/XX/2021 I deposited a USPS money order into my M & T Bank account in XXXX, Maryland. I had called M & T Bank 's customer service ( as I am new to Maryland ), to determine M & T Bank 's policies on cashing USPS money orders. The agent told me that the bank could, maybe, cash it for me or it could take five business days for my funds to become available. 

I received an extremely offensive letter dated XX/XX/XXXX from M & T Bank basically accusing me of passing a fraudulent financial instrument, stating " We have information that indicates that the check may not be paid. '' Nevertheless, this offensive communication stated that my funds would be available in five business days. Within five business days, M & T Bank 's app and website both stated that my funds are available, but they were not. I called customer service again was was " promised '' that my funds would be available this morning, XX/XX/XXXX. My funds are still not available. I called customer service, yet again, and the first informed agent I have spoken with, XXXX, a supervisor, stated that my funds would not be available until a pending " fraud investigation '' was completed. 

M & T Bank 's multiple false and misleading statements by customer service agents, in its offensive written communication, on its app and on its website regarding the availability of my funds from a USPS money order are, at the least, not in keeping with acceptable customer service practices.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (AZ)

I was charged {$20.00} by " XXXX XXXX '' through XXXX XXXX without written autorization and want a refund ... .ttried advised number of XXXX XXXX XXXX XXXX XXXX threy are unable or do not want to pick up phone or respond to a message ... can you help?