davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

PayPal limited my account around XXXX and told me i had to wait 180 days to withdraw my remaining funds and can no longer use there service. I got no reason to why my account was being limited just that it was. Fast forward to the future 180 days have passed and they did not email me nor contact me about receiving my money in any way shape or forum. I have XXXX dollars on PayPal just sitting there which they wont let me withdraw. PayPal has no contact number nor email nor does they message system work they have no contact info and refuse to release my money which they have sitting on my account doing nothing
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovered Associates continue to report this debt from XXXX  XXXX which is from a account with a original default date of 2010. This account is being reported and has been report consistently and illegally. I spoke with a agent and advised the statue of limitations have expired and this account has to be removed from all reports. Despite my request it has continued to be reported and that is wrong and illegal. Id like these to be removed immediately and cease false reports that have negative impacts on my credit and finances. Ive never received a debt validation from the original creditor because they know it shows a date of 2010! Its been almost 11 years like really this is insane and unfair and unjust and illegal. This account should be closed indefinitely and never resold or reported again. This is my final request before seeking a legal service because calling gets me nowhere but a mediocre supervisor with lies perhaps this communication will get me a real director or manager from the company who will review this account and see what Im referring too. Id definitely want proof of documentation as well.
Consumer complaint received 2021-03-11
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 as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly. My email linked to my PayPal is " XXXX ''. They don't have to close my account and hold my money for 180 days. That's the money I receive as payment for the digital goods and services I provided my clients. I've been a member of Paypal since 2011.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (CA)

I sold property on XX/XX/XXXX, Escrow closed Aimloan in full, meanwhile aimloan paid an insurance premium for next year ( XXXX ) in the amount of {$900.00} on XX/XX/XXXX. I had informed them that not to pay as I was selling property, So Insurance company ( XXXX XXXX ) returned the check back to Aimloan, because the account was closed. I have been contacting Aimloan insurance dept every week and there were no solid answers or action from them, I haven't received {$900.00} yet from them after 3 months. In my last conversation with representative, I was told that insurance dept mailed a check on XX/XX/XXXX, but it's almost 3 weeks now and I haven't received it, so I don't believe that it's really mailed. If you can help me to get my {$900.00} back would be really appreciated.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX  XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX  XXXX Balance : {$5500.00} XXXX  XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1700.00}. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted this complaint to update these suspicious information. XXXX Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX Balance : {$10.00}, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>,
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My bank account is Chase Bank my checking account number is XXXX. Bank routing number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Name of the bank is Chase Bank located in XXXX XXXX XXXXXXXX. I am dear client my name XXXX XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 
deleting on the bank is retaliating on me for taking out for reporting them for taking money out of my account they have withdrawed over {$450.00} out of my account I did a withdrawal eight times from my bank account which should have left a balance of XXXX into the checking account but when I look XXXX dollars the bank of no intention to return back the money. As well as their retaliating on me for reporting them for taking money from out of my account they have consecutively look to steal money from my account with no disregards for their fiduciary duties and no disregards for coming ethics as well as disregarding the FDIC knowing that they can have financial discipline action taken against them for looking to steal money from out of client 's phone but actually accessing my personal bank account and withdrawing money not fees but actually withdrawing {$450.00} out of my account is a blatant robbery slapping me in the face to show me that they are a bank and they have no regards in regards to any guidelines or any discipline actions that can be taken by the FDIC against them for looking to go against their fiduciary duties and to commit fraud against their client and to show me that they while I'm out of the country can arrest and stress and also try to make my life in a more economic hardship way given the fact I'm out of the country during the time of Corona and have no way to go to them and speak with them they are taking multiple levels of advantage as well as constantly stealing money from the account. So I'm making this complaint because if they touch my money with a one or 10 time I will discipline them one or 10 time until they get it that day are supposed to do their duties and do their fiduciary job and not steal from their clients. 10 times I did withdrawal from my account so I was able to notice that the bank was taking money from the accounts. All of this toke place in this month of XXXX from the XXXX
Consumer complaint received 2021-03-14
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. (PA)

I have been submitting disputes for SEVERAL MONTHS NOW against the accounts that these three bureaus keep posting in my credit report. I have reason to believe that these accounts are all INACCURATE and UNVERIFIED information but they keep showing up in my report. They have not shown any legal evidence to prove that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I asked for legal advice and was informed that what they are doing is against my rights and is not compliant with the FCRA/FDCPA. This has been causing me tremendous stress and mental anxiety, not to mention FINANCIAL concerns especially in these times of pandemic. They have not been very helpful in resolving these matters and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me to shed light to them regarding the matter. Thank you and hope to hear from you soon!
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

I called and company acknowledged that it is incorrectly reporting XX/XX/2014 as 120 days late. It acknowledged that it reported XXXX and XXXX as current yet skipped from 0 to 120 days late in XX/XX/2014. Company has promised yet failed to deliver several times on getting this time updated.
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

I paid off my vehicle with KIA Finance over 4 months ago. I have been on the telephone with them for over 3 hours in 5 separate calls. They will not send me a title. 

Background : XX/XX/XXXX : I paid off my lease to purchase a XXXX XXXX XXXX. I received acknowledgement of the payoff. 

XX/XX/XXXX : I received a " letter of no interest '' from KIA Finance ( the leasing entity ). I was told this letter would be sufficient to obtain a title in my state of residence, Virginia. 

XX/XX/XXXX : With the pandemic backlog at the Virginia DMV, this was the next available appointment to get a VA title. On that date, VA DMV personnel told me I needed : a ) the original title, b ) a bill of sale, and c ) what sales tax may have been included in the purchase.

I requested and received a written letter to this effect from VA DMV. I then made a request for these items through KIA Finance Customer Service. I first talked with an individual named XXXX, then a supervisor by the name of " XXXX ''. XXXX told me a title would be sent in 5-7 business days. I faxed the request from VA DMV directly to XXXX XXXX 's Title Department to make sure they understood the request for these documents was from the VA DMV, not me. This call 's duration was 1 hour and 2 minutes. 

XX/XX/XXXX : With no response, I called KIA Finance customer service again. First a person by the name XXXX, then a supervisor by the name of " XXXX '' ( sp? ). 
XXXX promised a call-back with an update. Call duration : 22 minutes. I did not get a return call. 

XX/XX/XXXX : I spoke with a person named " XXXX ''. He said the issue had been escalated, and action would be taken in 3-5 days. Call duration : 13 minutes. 

XX/XX/XXXX : A customer service person named XXXX confirmed a title had NOT been sent. I was connected to a supervisor by the name XXXX. When XXXX could not help me, I was connected to a manager, XXXX. XXXX said he would " do his very best to get a response from KIA 's title department ''. He suggested I call back the next day for an update. Call duration : 48 minutes. 

XX/XX/XXXX : This time I was connected with a " special agent '' named XXXX, supposedly working with the KIA title department. She said a request had been made with the title department, and I would have to wait 5-10 days for a response. When I told her this was unacceptable, she tried unsuccessfully to reach the manager, XXXX. When he was unavailable, XXXX said she would try to find someone else who could help me. After 45 minutes, the line disconnected.
Consumer complaint received 2021-03-13
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: EQUIFAX, INC. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE ADDRESSES THAT ARE ON MY CREDIT REPORT THAT I HAVE NEVER LIVED AT OR BELONG TO A RELATIVE : XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX. XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX PLEASE DELETE THESE NAME VARIATIONS THAT ARE ON MY REPORT : MY CORRECT NAME IS XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (UNITED STATES MINOR OUTLYING ISLANDS)

This notice is to inform you that Discover Financial Services is unlawfully reporting a Charged-off item on my Consumer Report. The IRS states that for amounts of {$600.00} or more, the Creditor must issue a 1099C ( which is a cancellation of debt ) and which the consumer must file with their tax return as earned income. Said 1099C was issued by Discover Financial Svcs to me and I filed it with my tax returns as earned income. 

Income is not reported on Consumer Reports. So I do not see why this item is still being reported on my Consumer Report when it was already reported as income on my Tax Return and I paid on it. It can not be both ways ... .it 's either a Charge-off or " Taxable Income '' According to FCRA, anything that is incorrect must be deleted from my Consumer Report. The Fair Credit Reporting Act of 1970 requires reporting agencies or creditors to follow reasonable procedures to assure maximum possible accuracy of consumer reports, 15 U.S.C. section 1681 e ( b ), and imposes liability on [ a ] ny person who willfully fails to comply with any requirement [ of the Act ] with respect to any individual, section 1681n ( a ). I spoke with an Account Manager this morning and asked for the item to be removed and she refused. 

I am requesting that Discover Financial Svcs initiates the deletion of the erroneous item from my Consumer file with all credit reporting agencies such as XXXX, XXXX, XXXX and any other credit reporting agencies. 

Thank you for your immediate attention to this important request. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX XXXX : XXXX SS : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-13
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. (NJ)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Atty General of Tex Child support division continues reporting inaccurate information. fails to follow their own protocols. reports closed accts as open, reports past due balances on closed and paid account. etc ... 
I paid child support for 15 months iut of pocket to the custodial parent at XXXX $ month and filed a notorized copy of affadavit of support to atty gen office who failed to follow up on my case. This led to years of mis reporting and 150 yo 180 month lates on Experian and XXXX  that are not true. My case is now clised for over 6 months and XXXX gets an updare from the Tex atty grn office that I have balance if {$4500.00} and 150 days late. This is on a paid, closed acct with XXXX balance! 
I have sent lengthy e mails, called by phone numerous times through the years, and my case never gets corrected. 
Fraudulent reporting by the state if Texas continues to harm my credit.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I have mailed and called XXXX and XXXX and also mailed Wakefield and Associates, ARS, and XXXX XXXX XXXX about their violations of me and my credit report. They have committed the following FDCPA Violations HIPPA Law Authorization : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Furthermore, they did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I also requested 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) The Agreement that grants you authority to collect on this alleged debt.

4 ) A copy of your state license, including license number that give you rights to collect in my state.

5 ) Please provide a copy of my signature with the provider of service to release my medical information to you.

6 ) Please provide a breakdown of fees including any and all collection costs and medical charges.

Their lack response, they have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights
Consumer complaint received 2024-08-18
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. (AZ)

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 2021-03-11
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)

I have a late payment with XXXX XXXX. I sent a letter on XX/XX/2020 and I haven't received a response. My payments were on autopay and I see received a late payment. I need this removed. It's only fair.