davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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 (CA)

Dear PayPal Customer Service, I am writing to appeal the permanent limitation on my PayPal account ( email address : XXXX ). I strongly believe that this limitation was placed by mistake, and I respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or engaged in any fraudulent activity. I have been a loyal and honest PayPal customer for many years, and I have always strived to comply with all of your policies and regulations. 

Secondly, I was taken aback when I received the notification that my account had been permanently limited. I have reviewed my account activity and can not identify any reason for such action. Therefore, I kindly request that you provide me with specific details on the reason for the limitation, as well as the evidence that was used to justify this decision. 

Thirdly, I understand that PayPal takes compliance with its policies very seriously, and I share this commitment to ensuring the integrity of the platform. However, I respectfully request that you consider my appeal and provide me with an opportunity to resolve any issues or misunderstandings that may have led to this limitation.

Finally, I would like to express my sincere hope that we can resolve this matter quickly and amicably. I value my relationship with PayPal, and I would be grateful for any assistance you can provide in resolving this issue. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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: Collection Management Holdings, LLC (TX)

XXXX XXXX XX/XX/1987 XXXX XXXX XXXX XXXX XXXX Texas, XXXX ( XXXX ) XXXX 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. 
Account name : XXXXXXXX XXXX XXXX : # XXXX Account name : XXXX XXXX / XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account XXXX : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # 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 : 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.

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

Navient has closed the following XXXX, XXXX, XXXX, XXXX, & XXXX. Navient illegally and unethically charged subprime interest rates on Private Student Loans, Collected on Private Student Loans after bankruptcy XXXX  XXXX entered in XX/XX/2015 and Discharged on XX/XX/2015. They lied about forbearance and also about removal of US Veteran co-signer. They said I had to pay on these Private Student Loans even after XXXX  XXXX. I opened complaints with the XXXX, Fl. Atty General, and PA attorney general, about what the CFPB has ordered Navient to do per the following : " CFPB examiners have apparently uncovered that certain loan servicers have been unlawfully sending discharged loans back to collections after bankruptcy courts had discharged them. The CFPB is directing these loan servicers to return any payments that were illegally collected from consumers and immediately stop using these illegal collection tactics '' I paid on the 2 loans exorbitant interest rates and would never see the end of the loans because Navient continued to adjust the subprime rates on the 2 Private Loans, seeing no end in sight to these Private Student Loans, and after my 3 year bought with XXXX and procedures, I had to enter into XXXX  XXXX hoping to get a fresh start, yet these people continued to call and pressure me while I was trying to recover from my procedures and financially after XXXX  XXXX. They close the complaints without even looking at these deeming these Duplicates. As per the CFPB order NAVIENT must return any payments that were collected after XXXX  XXXX Discharge. I am once again attaching evidence of their subprime interest on these loans whose origination amount were nothing compared to the interest and fees they placed on these loans. Navient as per the CFPB needs to return all funds collected post Bankruptcy filing. 


Once again I am attaching all documentation on the 7th complaint I make on this. This was also referred to the XXXX, the Attorney General for PA and FL, and sent to those in process of the pending class action. Navient collected these funds illegally and closing this as duplicate without a resolution is unethical and illegal since they owe me these monies.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, XXXX I visited the Wells Fargo XXXX XXXX XXXX & XXXX XXXX  in XXXX XXXX Pennsylvania XXXX My purpose for this visit was to submit XXXX savings  Bonds for redemption and deposit directly to my savings account at Wells Fargo. I was greeted by someone named XXXX. I submitted to her about XXXX savings certificates for calculating and processing. XXXX separated the bonds for counting and proceeded to input the interest and total value of each bond. When she finished the first larger batch she indicated for me to put my debit card into slot for processing to savings account. Which I did.. She repeated the process for the small amount of bonds ( about XXXX or XXXX ) and again asked me to submit my card so funds could be deposited to my savings. At no time did any cash exchange hands. At my request I asked for a receipt which she gave me. 
I assumed I would receive XXXX form on site but she told me that would be mailed to me-which it was about XXXX  months later. While comparing what was processed at the bank and what XXXX indicated I was very surprised and dismayed that there was a vast difference. The amount shown on the receipt XXXX had given me on the premises resembled nothng of what was on the XXXX statement. 
XXXXreceipt indicated that about XXXX bonds as " checks '' XXXXreceipt indicated that teller had entered XXXX bonds were of the same amount ( exactly ) XXXXreceipt inidcated at least XXXX bonds with the same amount ( exactly ) XXXX receipt indicated XXXX CASH paid to customer ( as stated, at no time did any funds exchange hands! yet XXXX listed " loose currency '' as {$2400.00} in XXXX dollar billsXXXX {$50.00} bill, ( XXXX ) XXXX bill and ( XXXX ) XXXX bill. As stated NO FUNDS Exchanged hands.-there was NO CASH ENTRY on my part. I was led to believe I was signing/depositng via debit card because of the redeemed cash values presented via bonds. I receved XXXX indication that interest on bonds was {$1500.00} and XXXX. However peculiar because the added " treasury note is listed total as XXXX which is only the interest paid out and not what was actually redeemed! As a XXXX  year consumer of Wells ( and it's prior names ) I am concerned about the documentation of : XXXXcalculations of submitted savings bonds XXXX entries made on my savings account for that period XXXX, the validty of the received XXXX XXXX the integrity of the person who handled transactions XXXX outcome of my income tax Sadly there is another occurence of this nature. I await for a plausible, truthful reply and/or corrections if necessary! 
Thank you in advance for refrring this to correct official.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC (SC)

On my credit report it states that the original credit is The Receivables Management and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with this company so do not know if this debt is mine or what it is in reference to.
Consumer complaint received 2024-08-20
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. (DE)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX/XXXX/2024, and I have not yet received a response.
Consumer complaint received 2024-08-20
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-20
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. (WI)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/2023 - Payment made for XXXX XXXX account for {$1800.00} but I had insufficient funds, my paycheck didnt post for another few hours. 
XX/XX/2023 - I receive direct deposit paycheck and my bank account has more than enough to cover funds. The {$1800.00} is returned, I call XXXX XXXX and they advise me to make another payment because the {$1800.00} will not re-attempt. I have enough funds, and send a payment of {$1700.00} to XXXX XXXX. 
XX/XX/2023 - Both payments of {$1800.00} and {$1700.00} are billed to my checking Account. I am overdrafted, and my XXXX XXXX card is not working and my Bank of America debit card is not working, despite my Bank of America saying they cleared the {$1800.00}. 
XX/XX/2023 - I contact Bank of America and XXXX XXXX to resolve. Bank of America opens a fraud investigation, and told me it will take 40 days to research. XXXX XXXX told me they can not do a stop payment, and will reattempt to draw the funds 3 times. 
XX/XX/2023 - I am still overdrafted despite having around {$1200.00} in my bank account in reality. I contacted XXXX XXXX again for a stop payment request, and they say they need an electronic letter from Bank of America. I contacted Bank of America for a an electronic letter they can send to XXXX XXXX, or a way to stop the auto draft, but they will not stop the auto draft. 
Consumer banking, my money would have been safer underneath my mattress.
Consumer complaint received 2024-09-16
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: CCS Financial Services, Inc. (TX)

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2023-05-02
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 (CA)

Dear PayPal Customer Support Team, I am writing this complaint in response to the permanent limitation that was placed on my PayPal account, which has caused significant inconvenience and financial distress. I would like to appeal this decision as I believe it was placed in error. 

Firstly, I would like to emphasize that I have not violated any of PayPal 's policies or terms of service. I have always ensured that my account activities are in compliance with PayPal 's regulations and have never engaged in any fraudulent or suspicious transactions. Therefore, I strongly believe that the limitation placed on my account is unjustified. 

Secondly, I kindly request that PayPal re-investigates my case and provides me with a detailed explanation of the reasons behind this limitation. I am confident that upon further review, you will find that there has been a misunderstanding, and my account can be restored to its original state. 

Lastly, I would like to highlight that my PayPal account is essential for my daily financial transactions, and its limitation has caused significant distress. I kindly request that you expedite the review process and restore my account as soon as possible. 

I appreciate your understanding and prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] PayPal account email address : XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received limited time personalized offer in the mail to open XXXX XXXX credit card. When I was applying, the process got interrupted with no reasons, ans when I tried to repeat it, my computer blocked it stating that it was insecure web site. The website I went to apply was XXXX Now I think it was scammers, and they stole my personal information
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

It has come to my attention that there are errors on my credit report. In the account XXXX XXXX XXXX XXXX XXXX Case law in XXXX XXXX XXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it.

I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made.

I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable.

I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.

Please make the requested corrections on the following account : XXXX XXXX XXXX XXXX XXXX