davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : # XXXX XXXX XXXX, Account name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs 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.
Consumer complaint received 2023-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX OF XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX  XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a XXXX of XXXX police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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 (MO)

Dear PayPal Customer Service Team, I am writing to appeal a permanent limitation that has been placed on my PayPal account ( email : XXXX ) recently. My objective for reaching out is to express my concern over this situation and kindly ask your team to re-investigate my case in light of the points I will raise in this email. 

Firstly, I strongly believe that the limitation on my account was enacted by mistake. Until now, I have been unable to discern any specific transactions or actions that would have prompted such a stringent action on my account. It would be highly appreciated if you could provide further clarification on what the precise reasons were behind this decision. 

Secondly, to the best of my knowledge and as per my understanding of the PayPal User Agreement and Acceptable Use Policy, I assert that I have not violated any PayPal policy. I have always used my account responsibly, ensuring that all transactions are legal, ethical, and within the boundaries of PayPal 's rules and regulations. It would be beneficial if the alleged policy violation could be outlined so I can better understand and rectify any misconceptions. 

Given the aforementioned points, I would like to kindly ask the PayPal team to re-investigate my case. I hope that upon further review, it will be apparent that my account has been in good standing and that the permanent limitation might have been unwarranted. 

The limitation on my PayPal account has caused significant inconvenience in my personal and professional life. I value the services that PayPal offers, and I have always regarded it as an indispensable tool for my online transactions. Therefore, I kindly request the restoration of my account, if possible. 

I understand that PayPal needs to safeguard its services and users from potential threats and I support such measures. I am willing to provide any further information or fulfill any requests that may assist in re-evaluating my case and ensuring that my account complies with PayPal 's policies. 

I am looking forward to your prompt response and appreciate your attention to this matter. 

Best regards, [ XXXX XXXX XXXX
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (GA)

Chase never let me know I was declined for the card. I got nothing in the mail and I had to call them to find out and they wo n't tell me why I was declined. I have excellent credit and income so they discriminated against me because I have a chase card I have n't used and they did n't want to give me the XXXX interest offer.
Consumer complaint received 2023-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

My name is XXXX XXXX. On XX/XX/XXXX, a judgment was awarded against me in small claims court in XXXX XXXX XXXX XXXX in and for XXXX XXXX XXXX, XXXX XXXXXXXX XXXX State of Utah ( Civil No XXXX ). On XX/XX/XXXX, I entered into a purchase agreement based on good faith that both companies ( XXXX and America Fist Credit Union ) XXXX XXXX was emissions free but cheat emissions test software was installed on my vehicle in the US for seven years. XXXX did so through a clever piece of software that could identify when it was being tested and reduce harmful exhaust numbers while not actually reduce emissions in some tests emission were even higher So it looked as if the cars met Utah state emission requirements, when in fact the XXXX XXXX did not. The discovery of the device was made in XXXX. XXXX halted all sales of its vehicles in XXXX and a nation-wide recall and buy back for these XXXX Vehicles XXXX offered, along with criminal charges obstruction of justice and a XXXX XXXX in fines enforced by the US Justice Department XXXX Plus, in a third settlement, XXXX has agreed to pay {$50.00} million in civil penalties for alleged violations of XXXX. The XXXXustice Department alleged that a XXXX entity supported the sales and leasing of certain XXXX vehicles, including the defeat-device vehicles, by offering competitive financing terms by purchasing from dealers XXXX Vehicles by retail installment contracts ( i.e. loans, financing and leases ) entered into by customers such as myself that all of this deception was going on for years prior to me buying a XXXX with American First Credit Union. No buy back or compensation was ever initiated or offered by American First Credit Union for the XXXX XXXX. My experience was the opposite, no alternatives were offered I was told to make the payment or they would repossess the vehicle a promise they clearly meant to keep. The Dealership and America First Credit Union, misrepresent the facts during my purchase and breached any said contract at the point of sale by not disclosing information relevant to me making a competent well informed purchase decision and by doing so willfully and knowingly sold an altered and misrepresented consumer product or XXXX vehicle doesnt this behavior make the initial contract agreement void because it was entered under false pretenses? Not only has ( America First Credit Union ) deceived me the consumer but also the courts by with holding information relevant to the court making a fair and impartial ruling, if presented with all the facts? The 3 credit Bureaus have all remove this from my file as fraud. The judgment creditor has been asked to file an Acknowledgment of Satisfaction of Judgment form with the court. I did so XX/XX/XXXX.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (IL)

I have had a checking with Ally Bank for a few months and recently opened a savings. I had an auto loan prior that I paid off. Because I was having payroll direct deposited for the loan, I decided to open a checking. Fast forward to XX/XX/23. I deposited a check drawn on Ally from a friend for {$250.00}. Later that day, my friend found out his account had been closed. I immediately called Ally and explained this to customer support. I also asked if I would pay a return check fee. The next day I received 2 emails stating my accounts had been restricted due to suspicious activity. My access to online banking was also turned off. I contacted the bank 's fraud department as instructed. I received no other information other than a senior analyst was working on it. I asked for a return call. Nothing. I called again last night and today XX/XX/23. Today I was told there's no guarantee the senior fraud analyst would call, but he would give them the message. I asked if there was a manager or someone I could complain to and I was offered a voice-mail. I said I want a real person and the response was, a real person will get the message and respond. Again, I got frustrated and hung up. At this point I want my accounts closed. The deposited amount of {$250.00} was in the account, although held. I understand this. What I don't agree with is the restriction of my account balances and no access to any information about when the restrictions will be lifted. I paid a loan on time monthly and paid it off early. This was my first mobile deposit. I did not know the account was closed at the time of deposit. I find it discriminatory to treat me like some criminal who is trying to rip off the bank. I work and my hard earned dollars are being held with no valid reason.
Consumer complaint received 2016-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (MO)

I am a XXXX in XXXX. I have applied for XXXX Loan forgiveness from Nelnet. 2 months ago I received a letter stating I was being turned down because the name of my XXXX was written in the wrong way. I filled out the form again and included a letter from my former principal stating that I was highly qualified XXXX fulfilling all of the requirements for XXXX loan forgiveness. I just received a second letter saying that I need to fill out the forms again because a supervisor 's title is cut off, a date is not written clearly enough, and that a supervisor signature is by stamp. I have been told by XXXX at my school that this process takes at least four months because Nelnet comes up with different reasons for several months just in order to be able to continue charging us. Some teachers are being rebuffed if they fill out service of more than 5 years, because Nelnet only wants 5 years noted on the TLF application. This is ridiculous! I know they 're intending to give me the loan forgiveness, because they have already put my account into forbearance. I am a hard-working XXXX and according to the law I deserve this XXXX loan forgiveness. What Nelnet is doing is against the spirit of the law.
Consumer complaint received 2023-06-08
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. (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative accounts from my consumer report, which have been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to all three credit reporting agencies, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off to the consumer reporting agencies regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. This has been ongoing for two years and Affinity has willfully provided inaccurate information about my credit history and though I have brought this to your attention this specific account remains on my consumer report. These entries violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681a ( 2 ) ( a ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 - Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Island Finance Puerto Rico (PR)

In the process of filling the online application my internet went of amd I dod not finish the application. Did not accept terms and conditions of the financial instirution amd did not accepted credit indagation. Today I recived the indagation notification. Called to the institution, Islad Finance and the responder dpnt let me explain that i do not finished the aplication and do not accepted the terms to submit the aplicarion and all she sayd was, Call XXXX XXXX.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Delete this account. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX