davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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. (MO)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XX/XX/XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from XXXX XXXX XXXX XXXX  to XXXX XXXX. In XX/XX/XXXX cavalry said they acquired this account. On XX/XX/XXXX cavalry states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the  company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.
Consumer complaint received 2023-08-24
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 (CT)

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account XXXX. I believe this decision may have been made in error and I would like to appeal for a re-investigation of my case. 

First and foremost, I want to emphasize that I have always used my PayPal account in strict adherence to PayPal 's policies and guidelines. I have never been involved in any activity that would warrant such a limitation. Therefore, I am genuinely puzzled as to why my account has been restricted. 

I kindly request that PayPal takes another look at my account 's history and transaction records. I am confident that a thorough review will confirm my consistent compliance with PayPal 's policies. It is possible that an oversight or misunderstanding has led to this unfortunate situation. 

I understand the importance of maintaining a secure and trustworthy platform for all users. I fully support PayPal 's efforts in this regard. However, I firmly believe that my account has been unjustly limited. This limitation not only hampers my financial activities but also raises questions about the accuracy of PayPal 's account assessment processes. 

I kindly urge you to consider the impact of this limitation on my financial obligations and activities. If my account is found to have adhered to PayPal 's policies, I humbly request that you reinstate it at your earliest convenience. 

I genuinely value the services provided by PayPal and wish to continue using this platform for my online transactions. I believe in PayPal 's commitment to fairness and transparency, and I trust that this matter will be resolved appropriately. 

Thank you for taking the time to read and consider my appeal. I eagerly await your response and hope for a swift resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello i am a client of Capital One XXXX acct # XXXX! ( XXXX XXXX XXXX ) A error was made where money was sent to a XXXX XXXX Acct.which ive been i contact withXXXX about various times to remove from my acct.! It wasnt. XXXX gave me the last 4 numbers of the acct where the money was sent. Ive struggle woth XXXX to find a location working Number to XXXX ( XXXX ). Calling i expressed the mistake and that i sought to retreive my money ( {$120.00} ). I explain that i was only given the last 4 numbers of this acct.. They explain to me they ned the full acct number. Refering me back to XXXX ( XXXX ) XXXX. XXXX would not give me the full acct number. Then refered me back to XXXX! 
Since that time i have exhaust my paitents with both Companies opening a new acct with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New york XXXX ( Routing # XXXX ) Acct # XXXX hoping to have XXXX transfer my money there ASAP! I had been told by XXXX that all i could do is wait (?! ) until XXXX sends the money back. i have no time to be a ping pong ball between these 2 companies! 
Thank You for you kind attention to my problem! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ny XXXX
Consumer complaint received 2018-08-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (OH)

Midwest Recovery Systems is reporting I owe {$320.00} dollars for a payday loan. I have never been contacted regarding this debt nor sent any documentation proving is mine. I disputed this wrongful reporting on my credit reports and they are still not sending me written proof that this belongs to me. This charge as of today is currently being reported on my XXXX  and XXXX reports. They both have different contact information. This is fraudulent and incorrect reporting. I need this to be investigated and complete and for it to be removed as this is a fraudulent attempt to tarnish my credit. The open date states XX/XX/2018. I have not opened any payday loans. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MI)

Resurgent Capital Services bought this item from XXXX XXXX on XX/XX/2016. This account is still showing open on my credit report. It is included in my bankruptcy case number XXXX in the southeastern district of Michigan
Consumer complaint received 2023-08-17
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. (NY)

DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$680.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$680.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms XXXX Month Company sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-08-17
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. (NY)

DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary 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 PAYMENT HISTORY LEGEND Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Completed investigation of FCRA dispute - consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX - XXXX. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the loan show XXXX XXXX XXXX opened on XX/XX/2021 with a balance of {$1300.00} has been charged off.
Consumer complaint received 2018-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM FILING THIS COMPLAINT BECAUSE XXXX, XXXX, AND TRANSUNION HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE
Consumer complaint received 2023-08-24
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2017-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Navient allows the payee to make payments online, but does not offer the option to complete a payoff online. I phoned in and asked the customer service agent if I could pay off one of the loans through them and she said yes. She processed my payment and told me that the loan was paid off. I received a confirmation number and email reflecting that payment. When I went back online to see if my account updated to reflect the pay off. This was not the case, the monies had been spread over all my loans. If the agent does n't have the authority to take a payoff they should not tell the payee this and take the payment online.
I have put in a request to Navient to either put my payment toward the loan that I requested to pay off or refund my monies. I should n't have to ask this. The option should be available already. Every effort should be made to help/allow the student to payoff these loans.
Navient has predatory loan management practices. The site is setup to discourage payoff by requiring mail in of pay off and choosing to only allow the student the option to make a payment ahead and the loan continues to accrue interest. Navient or any other loan servicing agent should NOT be allowed to offer consolidation that requires a student to have to allow them to apply 10 years of interest on the entire loan just to have one loan. This is worse than the housing crisis.
If you have to mail in a payoff, the payee continues to accrue interest on that loan awaiting the payment to be received. The payee should be able to make payoffs online in real time. Why is Navient allowed to not offer payoff online?
Why is the customer service number not located on the front page? why does the payee have to search for a contact number?
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/2023 I paid {$200.00} for a rental car through the same person I rented my XXXX with in XXXX XXXX  When I picked up the car I verbally communicated with the merchant about the warning lights being on the dashboard. ( tire pressure, battery, etc.. ) The merchant stated the car was fine to use. It was unsafe and did not run properly. ( This was also not the original car I requested and confirmed to rent ) I could not drive the car as needed and the car eventually broke down on me and my XXXX XXXX XXXX daughter while driving. Leaving me and my daughter stuck in the middle of nowhere for a couple of hours. 
I communicated with the merchant about the car breaking down right away and asked for them to accommodate me with another vehicle or refund. The merchant did not accommodate me. The merchant said it was the car battery and offered me the same unsafe car. 
When I returned home I disputed the {$200.00} charge XX/XX/2023. I sent in screenshots of me messaging the merchant about breaking down as well as screenshots showing the car dashboard ( warning lights on to show the vehicle was not safe ). Chime denied my dispute. 
I have been requesting documents as to why the dispute was denied and I have been reopening the dispute for them to return my {$200.00}. They have denied it repeatedly. I feel as a loyal customer with Chime for a few years and the situation involving the car breaking down I should be refunded. Its just the right thing to do.