davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake but I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I use PayPal for XXXX  ( 100 % rating, no negative reviews ) as well as an intermediary for Coinbase ( PayPal is the only way to withdraw from Coinbase ). My email linked to my PayPal is XXXX. 

I've tried calling PayPal 5 times ( now the automated response says my account can not be discussed by phone ), I've tried reaching out by XXXX ( put on a 'first come, first serve ' list where my position has never come, I've tried emailing every email address I've been given to seek more information on why my account has been permanently limited and why I've been blacklisted from PayPal . I've tried using PayPal 's Message Centre which gives me unhelpful automated responses to which I can not reply. I have thousands of dollars locked in PayPal and will continue to pursue what's right.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free XXXX  Annual Credit Report online. '' -- XXXX " A condition exists that prevents XXXX  from being able to accept your request at this time. '' -- XXXX  " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- TransUnion
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. They were once deleted and put back on my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (UT)

I sent a validation cease and desist to the collections company 's ( XXXX XXXX XXXX, XXXX XXXX XXXX ) providing them with the dispute letters asking for a validation letter as well as an ASSIGNMENT CONTRACT which I have not received. I filled a CFPB complaint however nothing was done about it. This unfortunate situation is keeping me from living my life it's creating a strain on my everyday life and mental health.
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I opened a Citibank account under promotional terms : deposit {$15000.00} in new to Citibank funds and hold for 60 days to earn {$400.00}, which would be deposited within 90 days after meeting the aforesaid requirements. Now Citibank is refusing to pay after I've met the requirements. I never would have opened an account with this bank if not for the promotion.
Consumer complaint received 2021-03-20
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (WI)

the bank took my funds due to 2 XXXX {$1400.00} XXXX deposits coming in on XX/XX/2021 that were third party deposits. they didnt only freeze the 2 deposits they said were against policy they took all of my money in the account, the XXXX that was in the account before the deposits were put in the account. That money didnt come from a third party deposit.
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

XXXX  XXXX a credit card company reported an account on my credit report as a charge off. I disputed this account with all 3 credit bureaus. The account deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Resurgent Capital Services and LVNV Funding LLC and now XXXX and XXXX XXXX ( A law firm ) all requested payment for this account. I sent a debt validation letter to all these debt collectors and asked for other documents to prove they own this account or documents showing I even signed for this account. No documents was provided, just stating in a letter " they have verify the account ''. Now LVNV Funding LLC has reported that same account as a collection to all three credit bureaus. Again, they have not validated this debt to me.
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unlimited Progress Corp (IL)

On XX/XX/XXXX ( via USPS Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX Creditors ' Discount & Audit Co received a request for validation from me for two alleged medical debts. CDA not only failed to validate the inaccurate debts but also accessed my medical information without a HIPAA Release Form. Furthermore, CDA failed to document a current business relationship between them and the alleged original creditor. I've disputed these inaccurate tradelines with the major bureaus several times, of which CDA consistently verified these erroneous debts. I've filed two separate disputes with the credit bureaus ( # XXXX, XXXX ) to no avail. In the midst of these disputes with the Credit Reporting Agencies , Creditors ' Discount & Audit Co went on to change both account numbers without notification or explanation. 

I've never done business with Creditors ' Discount & Audit Co. There are no documents bearing my signature of any services or products rendered to me from CDA. 

CDA is in gross violation of the Fair Debt Collection Practices Act and Health Insurance Portability and Accountability Act, and according to these laws, they must remove these invalid accounts from my credit reports. 

In an honest attempt to solve this issue amicably, I've allowed CDA to ruin my credit far too long. I trust they'll finally govern themselves accordingly. 

Thank you, XXXX XXXX CC : Illinois Attorney General, XXXX XXXX XXXX, US Department of Health and Human Services
Consumer complaint received 2021-03-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I sent a debt validation letter to the company National Credit Adjuster for two collectiom debts that they have with their office. The company has failed to provide any documents bearing my signature or any contracts showing the debt is owed to this company. They have tried to utilize a stall tactic by sending a letter stating that 30 days was not even time without providing any timeframe they could provide proof of debt. However, this company consistently continues to report this debt monthly to the bureaus affecting my credit report. Acct # XXXX and XXXX. letters are attached as well as certified receipts. This company letter stated they are ceasing collection efforts however, they are repeatedly stating they have validated the debt with the bureaus with no information sent to me. This is a violation of the FDCPA
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

Chase decided to close my account and couldnt give me a reason why i dont have any outstanding balances, I've never wrote checks, or had my account in bad standing for them to restrict my account and make it so i cant access my funds i think their trying to something with my money its mighty strange they close and restrict my account 1 day before my stimulus arrive. I have several deposits that supposed to come to this account and i've let them know that and i need to retrieve my funds since they closing my account i dont like the treatment at all and on top of that their trying to keep my money and i dont know why once again my account was not in bad standing and i dont owe any large fees so why arent they releasing my money? They have violated my rights in many forms
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

equifax has not been responding to me nor investigating my disputes nor sending me any proof of their investigations for the past year as a consumer this has caused major distress upon me and has ruined my reputation as a consumer due to their fraudulent actions. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under XXXX XXXX XXXX is the same as it is under XXXX XXXX XXXX  ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXX said XXXX card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX. 
Name of Account Account Number Provide Physical Verification Fresh Start funding XXXX Unverified Account U.S bankruptcy Court XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof XXXX written consent ) going against XXXX usc XXXX XXXX XXXX XXXX. This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumerXXXX XXXX  has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( XXXX ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

I received a letter in the mail on XX/XX/2021 from the Transworld Systems Inc. However, because I am a XXXX, I didn't check the mail until yesterday on XX/XX/2021. 

The letter is a collection notice of an attempt to collect a debt of {$150.00} to XXXX XXXX XXXX XXXX. 

I have no idea what this debt is about. I've tried contacting XXXX and XXXX XXXX but I can't get through to an actual person. 

I will be sending a validation letter to XXXX XXXX today.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I do Not live in Virginia but Equifax lists this as a Current Address. I have submitted a Current utility bill but Equifax Failed to Fix this. I can not afford to live in 2 places nor would I ever. Equifax has it listed that TN is a Former address.. My one credit card has submitted Correct ( TN ) address to the credit bureaus but Equifax does Not care. 
Do not respond to this with your generic garbage. I am uploading PII data and the utility bill and Virginia Must be deleted. 
I tried to do this dispute on the portal but Equifax states I can not due to the claim being open. That is Not true. The two that I submitted are marked as completed - XX/XX/XXXX submissions. 
Equifax is Terrible to work with and when I purchase a house Equifax will have to FIX this Issue ( bc that is what was demanded of them in XXXX when they Failed to list addresses Accurately - I have documentation )
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. XXXX XXXX  and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (TN)

I am a victim of identity theft. I have six inquiries on my credit report that were not authorized by me. These inquiries are fraudulent. The fraudulent inquiries are : XXXX on XX/XX/21 ; XXXX XXXX XX/XX/21 ; XXXX XXXX XX/XX/21 ; XXXX, XXXX XXXX XX/XX/21 ; XXXX XX/XX/21 ; XXXX XXXX, XXXX XXXX XX/XX/21 - Attached is the FTC report showing which companies have placed fraudulent inquiries and my ID.
Consumer complaint received 2021-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX with the balance of {$1700.00}. I have no acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information, Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent. 

According to Fair Credit Reporting Act, any account fraudulent open without the principal original consent or permission must be Remove and Delete immediately. In compliance with FCRA, predatory furnished of false information by the institution are illegal, and within matter of rights under the laws of consumer request to provide by the furnish-er or institution of full proof of all original sign documentation relating to the false account and any consensual documentation with original owners signature within 5 business day in physical mail copies. As time is the essence per request must comply under FCRA law. Failure to do so must have the information Delete and Remove prevent to reappear once and for all.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

Throughout the month of XXXX, I attempted numerous times through 45+ minute hold times, emails & faxes to obtain a payoff letter for a XX/XX/XXXX closing date. Payoff letter finally received and sent to title company. Closed on XX/XX/XXXX, wire sent from title company to Amerihome. XX/XX/XXXX, Amerihome rejects payoff amount and issues a new payoff letter $ XXXX more and wants interest accrued since XX/XX/XXXX. 
Nobody answers the phone - they literally say call volume is too high and won't answer. 
The title company is holding the funds and can not get in contact with anyone at Amerihome to communicate with.
Consumer complaint received 2021-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX with the balance of {$1700.00}. I have no acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information, Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent. 

According to Fair Credit Reporting Act, any account fraudulent open without the principal original consent or permission must be Remove and Delete immediately. In compliance with FCRA, predatory furnished of false information by the institution are illegal, and within matter of rights under the laws of consumer request to provide by the furnish-er or institution of full proof of all original sign documentation relating to the false account and any consensual documentation with original owners signature within 5 business day in physical mail copies. As time is the essence per request must comply under FCRA law. Failure to do so must have the information Delete and Remove prevent to reappear once and for all.