davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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 (MD)

Dear PayPal Support, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation is a result of a mistake, as I have not knowingly violated any PayPal policies or engaged in any prohibited activities. 

Firstly, I have always used my PayPal account responsibly, ensuring compliance with all terms and conditions outlined by PayPal. I regularly review and adhere to your policies to ensure a smooth and trouble-free experience for both myself and other PayPal users . As such, I am confident that my account 's limitation is unjustified. 

Secondly, I assure you that I have never been involved in any fraudulent or unauthorized transactions. I take online security seriously and have taken necessary precautions to safeguard my account information and personal details. My utmost priority has always been to maintain the integrity of my PayPal account and utilize it solely for legitimate transactions. 

Considering the above points, I kindly request that PayPal re-investigate my case in detail. I understand that human errors can occur, and I am hopeful that, upon closer examination, this limitation can be lifted, allowing me to resume normal use of my account. 

I sincerely value the services provided by PayPal and wish to continue utilizing its secure and efficient platform for online transactions. Therefore, I humbly appeal to PayPal 's sense of fairness and understanding to reconsider the current limitation on my account. 

I genuinely hope that this matter can be resolved amicably and that my account can be reinstated. Please let me know if any further information is required to facilitate the review process. I am more than willing to provide any necessary details to support my case. 

Thank you for your attention to this matter. I look forward to a positive resolution and the restoration of my PayPal account. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-31
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. (MI)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eastpoint Recovery Group, Inc (CA)

In XXXX of XXXX, I got approved for a line of credit, ( {$5300.00} ) through XXXX, ( XXXX XXXX  ) XXXX for XXXX. I was given a treatment plan for XXXX  cost & was approved for the line of credit on the same day. Everything happened very fast & initially thought that I could handle the payments. Later on when I realized I wasn't able to handle the monthly payments, I contacted XXXX and asked them if they could lower the monthly payments to an amount that was more manageable, they refused. 
On XX/XX/XXXX I received a phone call from a guy named XXXX who asked me to confirm my name & confirm that I lived in XXXX XXXX XXXX, After I confirmed this information, XXXX claimed he was getting ready to file wage garnishments against me for the debt that I owed XXXX. He also claimed that if I paid him at least {$200.00} by the end of the month that he would not file for wage garnishment. He also claimed to have done a credit check on me & said I had decent credit. I explained to him that the soonest I could make a payment would be XXXX. He said he would try to hold off on filing a judgment against me, if I was able to call him the following week to make a payment. After this phone call I realized that XXXX had failed to identify himself as a debt collector & failed to identify which company he was working for. I had to call the company back at the number that XXXX initially called me from XXXX. A man named XXXX answered & he informed me that their company was called Eastpoint Recovery Group. XXXX also put pressure on me to make a payment by the end of XXXX because they'd lose the account if I didn't. 

The address for XXXX, ( XXXX XXXX  ) is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The address for Eastpoint Recovery Group is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed. I demand that the accounts credit limit be increased for use due to the company decreasing limit. The decreasing of the accounts was not authorized by me which is an indication of violation of securities, breach of contract, and identity theft. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Finally received a letter in the mail saying that they comply with all regulatory agencies governing their business but nothing about anything that I instructed them to do or that the credit limit or credits have been applied to the accounts.
Consumer complaint received 2023-07-31
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. (TX)

This is a general complaint against Experian and their so called investigations. I have sent in numerous dispute letters pertaining my personal information being reported incorrectly. I have even filed a formal complaint with the Federal Trade Commission about these old addresses that put me at risk for identity theft because I have no access to these addresses. At this point, Im seriously thinking about consulting with a consumer lawyer because Experian does not hereby to anything. I simply called XXXX and XXXX, updated my personal identification information, and the changes was updated within 48 hours. The world knows the e-Oscar system is who reads our dispute letters, and we all know its not 100 % accurate so what will it take?! FCRA. states all credit reporting agencies should be reporting accurate and verifiable information but it appears as if Experian is exempt.
Consumer complaint received 2023-07-31
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XX/XX/year> Subject : Final Request for Removal of Inaccurate Collection/ Chargeoff Accounts XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO OPEN ACCOUNTS. I DID NOT APPROVE ANYONE TO PULL MY CREDIT.

To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection/ charge-off accounts listed on my credit report under the account. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (CA)

I spent countless hours on the phone with various employees of XXXX over the span of a months. I initially cancelled my service because the coverage was inadequate. I was a customer for less than 3 months. When I called and cancelled the service I was told we were all set, the service would be suspended immediately and nothing else was required of me. 

Fast forward 6 months and there's a collection notice on my credit report for {$710.00}. They continued to charge me for service I was not receiving or using. I immediately called XXXX thinking this was a mistake and could be corrected easily. I was told the account was already closed and there was nothing they could do about it. Meanwhile they had never sent me a bill, a statement, or anything via email or physical mail so I'm not sure how I was ever supposed to pay them at all. The following are the records I have of phone calls because I started documenting this whole ridiculous process myself XX/XX/2022 Employee ID XXXX XXXX XXXX and I spoke for XXXX hours and I thought we had resolved this. She told me that it would take some time, but by XX/XX/XXXX should be XXXX balance on my account and we could get this removed from my credit report. 

On XX/XX/XXXX I spoke with XXXX XXXX Employee ID XXXX Still seeing this delinquency on my credit report I called back. She had no records of what I was talking about and wouldn't provide me a copy of the recorded call I had previously had with XXXX. She told me she would escalate the situation and I should expect a callback on XX/XX/XXXX XXXX XXXX XXXX XXXX the supervisor I spoke to ( they apparently don't have employee IDs ) on XX/XX/XXXX. We spent an hour going back and forth for her to repeatedly tell me I should take it up with the collections agency ( an absurd recommendation ). She said that since the account had already been sent to them there was nothing they could do ( obviously not true ). She told me basically that I was XXXX and responsible for the erroneous charges that XXXX levied against me and there was nothing that she or anyone else at the company could or would do for me.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CO)

We were pre-approved by Rocket mortgage for a mortgage to purchase a condo. 
Rocket received the MLS and all the information, including standard contracts by realtor about 45 days prior to closing : XX/XX/XXXX Property address is known to Rocket and the MLS listing information clearly states it is deed restricted through XXXX InDEED XX/XX/XXXX Appraisal states clearly there is a deed restriction and that this unit is part of the XXXX InDEED program XX/XX/XXXX Title commitment was sent to Rocket - this also states there is a deed restriction. 

We were then notified Tuesday last week, XX/XX/XXXX, that XXXX would not allow a mortgage on a deed restricted property. This notification was by phone from XXXX XXXX with XXXX. 

Furthermore, we noticed that the XXXX points loan was changed over the course of the last weeks to a points loan with a much higher cost, without any form of notification. 

One week before closing, we were notified, without forewarning that the loan was declined by XXXX underwriting. We were therefore going to loose {$75000.00} if we could not provide funding to proceed with the purchase of the property. One week notice. 

The financing options were more limited and we were at the mercy of a last minute very high interest loan, which we were able to arrange. 

Furthermore, we noticed that the XXXX points loan was changed over the course of the last weeks to a points loan with a much higher cost, without any form of notification.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

On XX/XX/2023, I reached out to Caine & Weiner to question the validity of their claim that I owe {$530.00}. The issue is, I have no knowledge of Caine & Weiner, nor have I ever engaged in any transactions with them. To clarify the matter, I asked them to provide me with evidence of a contract or agreement bearing my signature, but they failed to do so. 

To my surprise, instead of providing the requested proof, I received an itemized document from an account associated with XXXX XXXX XXXX that had already been closed for quite some time. What adds to my concern is that I haven't held an auto policy with XXXX for more than six months. Moreover, the negative listing has been twice placed on my XXXX profile, causing me significant trouble in securing student loans for the upcoming Fall semester. 

Despite sending three letters in an attempt to resolve the situation, I find myself at a loss as to what further steps to take to rectify the matter.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J J Marshall & Associates, Inc (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Dispute of Debt Collection Violations and Request for Validation Dear Sir/Madam, I am writing to formally dispute the actions of JJ Marshall & Associates , Inc. regarding an alleged debt they claim I owe. It has come to my attention that JJ Marshall & Associates , Inc. has violated several of my rights as a consumer, as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 

Firstly, I want to emphasize that I have not received any written notice from JJ Marshall & Associates , Inc. regarding the alleged debt, which is a clear violation of my rights under the FDCPA. Additionally, upon further investigation, it has been brought to my attention that JJ Marshall & Associates , Inc is not licensed or bonded to collect debts in my state. This raises serious concerns about the validity and legality of their collection efforts. 

Furthermore, it has come to my attention that JJ Marshall & Associates , Inc. has accessed my credit report without permissible purpose. This unauthorized pull of my credit report constitutes a violation of my rights under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 34 ( c ) and ( 4 ) ( l ). Such actions are unacceptable and must be addressed immediately. 

In light of these violations and discrepancies, I am hereby revoking any acknowledgment of owing any debt to JJ Marshall & Associates , Inc. Additionally, I revoke all rights of JJ Marshall & Associates , Inc. to communicate with me through emails, texts, or calls. Any further communication attempts will be considered harassment and dealt with accordingly. 

Furthermore, I am requesting validation of the alleged debt as required by law. Please furnish me with any documentation, including the contract, that establishes the validity of the debt claimed by JJ Marshall & Associates , Inc. 

I expect prompt action and resolution regarding this matter. Please investigate these violations thoroughly and take appropriate action against JJ Marshall & Associates , Inc. Your assistance in rectifying this situation is greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

There are a few accounts showing on my credit report that I believe could not be mine or are old and reoccurring with high balances that I'm not aware of. These accounts are : Community bank/Victoria secrets : ( XXXX... ) Showing a balance of {$1500.00}. This could not be mine. 

XXXX ( XXXX... ) Shows conflicted balances, {$1900.00} & {$3300.00} for the same account. This also I'd like to dispute. 

There are multiple closed accounts showing on my credit report from XXXX  to present that I would like to be removed because I believe they're reflecting negatively and causing my scores to be low.Thank you in advance for any assistance. 

XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : inquiries I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely,
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

XX/XX/XXXX a pay off of XXXX dollars was credited to my Lowes account to pay off the balance of my credit card. 

XXXX i got a statement with a reversal of payment. I called the credit card company they said they never received the check and have no records of a check clearing with them. 

I contacted my mortgage company whom the checked with issued thru, they sent me a copy of the checked which has the stamp from the credit card company showing it was cashed on XX/XX/XXXX Ive sent this information and faxed over the check showing they cashed it and they will not honor it.
Consumer complaint received 2023-07-31
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 (OH)

Dear PayPal Support Team, I hope this message finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation was a result of a mistake and that I have not violated any of PayPal 's policies or guidelines. 

Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user for [ duration ] years. Throughout this period, I have conducted all my transactions with utmost care and adherence to PayPal 's terms of service. I have never engaged in any activities that could be considered a violation of your policies. 

Considering the above, I kindly request PayPal to re-investigate my case thoroughly. I understand that errors can occur, and I am hopeful that upon review, you will find no justifiable reason to keep my account permanently limited. It is my sincere hope that you will take the necessary steps to rectify this situation promptly. 

My PayPal account has been an essential tool for managing my finances, both personally and professionally. The limitations imposed on it have caused significant inconvenience and distress. Restoring my account would enable me to resume normal operations and continue using PayPal 's secure and convenient services. 

I kindly request your utmost attention to this matter and a swift resolution. If you require any additional information or clarification, please do not hesitate to reach out to me at XXXX. 

Thank you for your understanding and cooperation in this appeal process. I look forward to hearing from you soon with a favorable update on my account status. 

Sincerely, XXXX XXXX