davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

I am writing about Pay pal credit Account : XXXX XXXX XXXX XXXX I have sent to paypal an explanation situation letter and check in the amount of {$550.00}, my letter asked for my account to be reviewed and considered to revise balance. All this time I thought paypal accepted my final payment to settle my account but still showing a balance on my my XXXX consumer report. 
Paypal only took payment and didnt advised of anything. They should have contacted me to advise a settlement amount or sent an answer letter of my letter sent with payment. Paypal should have sent some type of notification.

Additional evidence upon request.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report for the fourth time, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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. (NV)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 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 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 2023-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX received a letter stating that my account was being closed due having an overdrawn amount for an extended amount of time. Also in that letter stating, " Now that the account is closed, you may not reopen it. All services tied to it will also be closed or canceled. This could include your debit card, funds transfers, bill payments and overdraft protection. If this account is used to protect another account from overdrafts, be sure to set up a new account for protection. Outstanding checks and other transactions that come in after the account is closed will generally be returned unpaid. We may reopen the account to accept a debit or credit and will notify you if we are required to reopen your account to accept such a transaction. '' ( My account was overdrawn due to fraudulent activity on my account which I am still disputing with the bank. I filed an appeal and called in several times seeking information on how the bank came to their decision against my dispute ) I received a refund deposit into that checking account on XX/XX/XXXX for {$780.00} which the bank did not send to me. On XX/XX/XXXX and XX/XX/XXXX I received two more deposits which went to my closed account which the bank refused to send to me, instead they reopened that account and deposited them into the checking account to cover the fees on the account. I did not authorize the bank to do this, instead I requested the deposits to be sent to me. 
Seeing the fact that I had fraud on my account which caused it to be overdrawn with fees and closed I don't believe that I should have to endure losing money while the fraud is still in dispute. If the bank account is closed and there is a balance owing, and just like any other creditor, I should be able to control where my money goes. The funds that I have lost thru these deposits has made a signifiant impact on my life. I am on SSXXXXI as my main source of income. I do not have job or regular source of income. At the time of this happening I was on unemployment. The deposit that came in were to help pay for my basic needs to survive. 
Recently a bank representative reached out to me with the title of Bank Advisor stating they work close with the CEO 's office and they were going to look into my account. It's been almost a year since this account has been closed and there is no reason that any of this should be happening. 
I intend to reach out to the FBI to provide them with the proof the bank was unwilling to take from me showing communication I had with the person whom scammed my account and any other agency I can in the hope that I will no longer be negatively affected by this seeing that I was the target of a scam and was victimized.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX credit usage 0 % 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

Submitted required ( electric bill with low income rate ) proof for deferment on XX/XX/XXXX. Website stated 7-10 business days, but after 14 it switched to : We're reviewing your deferment application we received on XX/XX/XXXX. Please allow time for your request to be completed. 

I got a PAYMENT/statement in the mail that is due XX/XX/XXXX. I called and waited on hold 2 hours before I had to go back to work. The payment is A LOT : {$300.00}. I can not pay this and do not want a late/missed payment on my account. 

They should have reviewed and approved my deferment by now.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Revenue Corporation (TX)

Disputed unauthorized accounts with XXXX XXXX XXXX and United Revenue Corporation in XX/XX/2023, XX/XX/2023, and XX/XX/2023. I've asked for the following legal documentation several times : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and United Revenue Corporation with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCPA, and HIPAA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.

7. A HIPAA release form with my wet signature as proof of my consent As of today, all I have received in a statement. A statement is not legally binding. Anyone can generate a statement and mail it to you.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, an individual who was previously employed by me as my right hand man, breached and stole my identity and gained unauthorized access to my credit, even resorting to accessing my mail. It is with a heavy XXXX that I recount the events that led to this unfortunate situation. 

XXXX XXXX was employed by me in the position of XXXX XXXX at my company from XX/XX/XXXX to XXXX XXXX. During his tenure with our organization, it became evident that XXXX XXXX had several character flaws and engaged in dishonest practices, which ultimately led to his termination. 

Dishonesty : XXXX XXXX displayed a consistent pattern of dishonesty during his time at our company. This included making false statements, manipulating financial records, and failing to adhere to company policies and ethical standards. 

Anger Issues : XXXX XXXX 's conduct also raised significant concerns regarding his emotional stability and anger management. On multiple occasions, he exhibited outbursts of anger and aggressive behavior towards colleagues, creating a hostile work environment. 

Access to Personal Information : As part of his role, XXXX XXXX had access to sensitive company information, including personal data of employees and clients. This access gave him an opportunity to gain unauthorized access to my personal information. 

It has come to my attention that XXXX XXXX, after being terminated, stole my identity and gain access to credit in my name. He went to great lengths, including accessing my mail, to achieve his fraudulent objectives. To address this breach of security, I have since recently implemented measures such as mail digests and heightened security protocols to safeguard my personal information. 

Upon uncovering these grave violations, we took immediate action to terminate XXXX XXXX 's employment and reported the identity theft attempts to the appropriate authorities. We have been fully cooperating with law enforcement agencies and have taken measures to enhance our security protocols to prevent such incidents in the future. 

I want to assure you that I deeply regret any inconvenience or harm caused as a result of XXXX XXXX 's actions. Identity theft is a serious matter, and we are committed to assisting in the ongoing investigation to bring him to justice.
Consumer complaint received 2023-08-29
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. (FL)

This is a request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts/inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX.
Consumer complaint received 2023-08-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (TX)

I received online notification from all three credit bureaus on that CENTRAL PORTFOLIO CONTROL place a Collection account on my credit report in the totals of {$4200.00}. I do not have an account or agreement with CENTRAL PORTFOLIO CONTROL. CENTRAL PORTFOLIO CONTROL violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.
Consumer complaint received 2023-09-05
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. (GA)

I am writing to formally request an investigation into a debt that has been erroneously associated with my identity. This account does not belong to me, and it has been wrongfully affecting my credit history. The unauthorized breach of my identity was committed by an ex-employee, who is responsible for this fraudulent account and transactions. I have reached out to both XXXX XXXX XXXX  XXXX to rectify this situation in accordance with the Fair Credit Reporting Act and my federally protected consumer rights.
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

i created a Paypal business account on XX/XX/XXXX for my videography services. 
on XX/XX/XXXX, i was paid {$1600.00} by a client. paypal put a hold on my account and added limitations. therefore i am unable to access my funds at all. i asked what i could do, i was told on XX/XX/XXXX that i needed to provide identification and explain what kind of business i conduct. i did so. it said that it would take 3-5 business days to review. it also said that funds should be released within 21 days. after the 3-5 days, nothing. the limitation was still places. i messaged with customer service almost every day since then, asking for updates, seeing if there was anything i can do. on XX/XX/XXXX, i was updated that the amount of money i was able to receive was raised from XXXX to XXXX, therefore the amount i received was within that amount and my account was partially restored. the page that shows my balance showed the money as now available for transfer. however, when i would try to transfer id receive an error message. i messaged with customer service again. they said that they would be escalating the matter to their back office, something that was already told to me a few times. on XX/XX/XXXX, i reached out again for update as it was time for rent and i was desperate to access MY own money that is being withheld from me. they said the same thing about escalating to the back office. i called again on XX/XX/XXXX. they said they would escalate to the back office. again, all of this for something that was supposed to take 3-5 days to review. i asked to speak to a supervisor. i did and they said they would escalate it to the back office and i should receive a response within 7 days but to manage my expectations. i literally cried to this woman and said it feels like i just keep getting told indefinitely that eventually i will have access and to just wait it out, but i need access to my own money to live. she said there was nothing she could do. she said she has no ability to directly contact anyone at the back office. i am counting on this money to survive. after i receive the money, i will no longer use paypal. i am just desperate to take my money out and stop using this business.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 I requested that the following inquiries be removed off my report. I have reached out to the companys and failure to provide me with any written documents that gave consent to inquire my credit report. I did not authorize nor give the credit bureaus any authorization of these following inquiries. I am a victim of identity theft. I also requested that these inquiries be removed within 30 days from the notice that I sent out. Companys where unable to provide me proof that it was me XXXX XXXX that authorized these inquiries it has now been over 30 days. I believe it is essential to maintain the accuracy and integrity of my credit report. I have submitted a claim to the ftc in regards to this matter as well.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

For Complaint # XXXX XXXX XXXX American Express XXXX XXXX feedback to the first attachment sent by American Express but when I tried to provide feedback to the second attachment sent by American Express XXXX XXXX the CFPB website XXXX not allow additional feedback which follows. 

In the response from American Express they state if I XXXX XXXX had any of the following American Express cards, see list below by XXXX or American Express I would not be eligible for the promotion. 

In the list below provided in the American Express attachment I have not had any of the credit cards listed. 

Please credit the XXXX XXXX XXXX points to my XXXX account as earned. 

XXXX XXXX Below from American Express XX/XX/XXXX response. 

" welcome offer ( XXXX ) XXXX not be available to applicants who have or have had this Card or previous versions of this Card or the XXXX XXXX XXXX XXXX Credit Card from American Express. We XXXX also consider the number of American Express XXXX they have opened and closed as well as other factors in making a decision on their offer eligibility. The terms and conditions also state that welcome offer not available to applicants who ( i ) have or have had the XXXX XXXX XXXX XXXX XXXX Credit Card from XXXX, the XXXX Rewards Premier Plus Business Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Credit Card from XXXX in the last 30 days, ( ii ) have acquired the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, in the last 90 days, or ( iii ) received a new Card Member bonus offer in the last 24 months on the XXXX XXXX XXXX Credit Card from XXXX, XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX Credit Card from XXXX.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and the certified mail receipt. Here is the XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : these are unauthorized unknown and unrecognizable Name of Inquiring Companys : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX