davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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 (AZ)

I am writing to formally appeal the decision to permanently limit my PayPal account associated with the email address XXXX. I believe this action was taken in error, and I respectfully request a re-investigation into my case. I strongly believe that the limitation placed on my account was a mistake. I have been a dedicated PayPal user for a significant period and have always strived to adhere to all policies and guidelines set forth by PayPal. To the best of my knowledge, I have not violated any PayPal policies or terms of service. My account activities have been in compliance with the standards outlined by PayPal, and I have not engaged in any prohibited actions. Given the above points, I kindly request that PayPal re-investigate my case. I am confident that a thorough review will reveal that my account activities are legitimate and in line with PayPal 's terms of service. I am eager to cooperate and provide any additional information that may assist in this process.

I greatly value the services provided by PayPal and would like to continue using my account for my business and personal transactions. I sincerely hope that you will consider my appeal and take the necessary steps to restore my account.
Consumer complaint received 2024-05-31
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)

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
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: NAVY FEDERAL CREDIT UNION (FL)

On friday XX/XX/2024 i received an inquiry on my XXXX credit report from Navy Federal I strongly believe this is a Mistake because that is my credit union but that inquiry is not attached to an open account.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to address a concerning collection entry that has appeared on my credit file from your agency. I was not previously notified about this alleged debt, and I have serious doubts regarding the validity and accuracy of the amount being claimed. Under the Fair Debt Collection Practices Act, I have the legal right to request verification and validation of this purported debt. I am therefore respectfully requesting that you provide the required documentation validating this collection entry and take appropriate action to rectify any inaccuracies.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 # XXXX has violated my rights. 


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 2024-06-18
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: Exeter Finance, LLC. (TX)

I am writing with grave concern regarding a derogatory rating appearing on my credit report. This negative mark has caused me significant worry and distress due to its detrimental impact on my credit standing. It has already adversely affected me by leading to the rejection of a recent loan application, as well as higher interest rates being applied to my existing credit accounts. I can not overstate the severe financial hardship and emotional toll this inaccurate negative rating has inflicted upon me, and will continue to inflict until it is properly remedied.
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I am unaware of any debt related to XXXX XXXX XXXX. 
I have never signed any agreement or provided any personal information or documentation to this company. This debt does not belong to me. 
I have tried reaching out to them to get this resolved, but they refuse to help
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

XXXX XXXX XXXX # XXXX is a fraudulent account I never opened this account nor did I authorize anyone to open this account XXXX XXXX {$1400.00} is fraudulent I also have XXXX XXXX XXXX cases that are in forbearance as well as litigation I asked to have these deleted off my report until after the litigation was done XXXX of the accounts are the same accounts Please delete them
Consumer complaint received 2024-06-18
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: International Computer Systems, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear FST COLL SRV, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Sections 570.223 and 570.224.

It has unequivocally come to my attention that FST COLL SRV has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section

1681b ( a ) ( 2 ). In addition to federal law, Missouri state law, specifically Section 570.223, emphasizes the necessity of consumer consent for the use of personal identifying information. Furthermore, Section 570.224 establishes clear penalties for unauthorized use of such information. These laws underscore the severity of unauthorized access and misuse of personal information.
I assert with unwavering certainty that I have not provided consent for FST COLL SRV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that FST COLL SRV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 570.224 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that FST COLL SRV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-18
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. (AL)

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 XXXX XXXX XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2024-06-05
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-28
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: EQUIFAX, INC. (TX)

For the past ( 3 ) months, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX I have sent several letters to each of the major credit bureaus. 

The letters clearly instructed the bureaus to correct my credit report based upon the Metro2 Code Compliance standards. 

My request for correction has been ignored without proper action taken, particually by XXXX. They have repeatedly sent me notice that they " have not taken any action on my alleged request ''. 

After several calls, letters and cover letter attempts to get them to ACT on my behalf, the response from them appears to now be a stalling tactic to not take proper action on my account, per my request. 

Information on my report is inaccurate and I simply want the items requested removed and/or deleted from my credit record.
Consumer complaint received 2023-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CO)

Cavalry SPV LLC, represented by the law firm XXXX XXXX XXXX, purchased a credit debt from XXXX XXXX  via a bill of sale on XX/XX/XXXX. Subsequently, they filed a summons in XXXX XXXX XXXX, Colorado, case # XXXXXXXX XXXX XXXXXXXX, seeking {$1400.00}. 

Cavalry presented an exhibit showing the XXXX XXXX XXXX account as of XX/XX/XXXX, which indicated a XXXX balance and no past due amount. However, the exhibit did show a credit adjustment of {$1300.00}. 

In a Motion for Production of Documents on XX/XX/XXXX, Cavalry has yet to provide a contract for the debt, a debt validation letter, or any notes regarding the XXXX account. 

No did XXXX send a right to cure letter.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MO)

Last year I had a dispute with XXXX XXXX charging my card. I had to contact CFPB and it was resolved. A year later on XX/XX/year> US Bank allowed XXXX to charge my card my card again.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

On XX/XX/year> I made a pay anyone of {$100.00} to my friends mobile phone number the same way ive done before with other friends. Instead of the usual text message they receive, I received a notification with a chime tag that had received my money. I immediately contacted them and they said it could take up to 45 days to get the money back and if it was needed they would credit my account the 100 %. That same day I received an email saying my claim was denied. I contacted them again and they re opened my only to deny it again on XX/XX/year> the next day.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (NY)

I have had two small disputes pending for months. They are only {$50.00} and {$20.00}. The bank will not give me any information or credit my account. I can show numerous emails and live chats that I have attempted to resolve this issue. 

Furthermore they advertised a {$250.00} sign on bonus which is the reason I opened the account. They never issued it. This bank is just terrible all the way around. They should be banned from doing business in the US. If you look online they do this to many other people. Just horrible.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ).

I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with FAIR COLLECTIONS AND OUTSOURCING or any of its Affiliates nor have I ever engaged in any business with FAIR COLLECTIONS AND OUTSOURCING in the past and this trespass against me I consider is identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, and a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation, and settlement. 
Reporting inaccurate information on my consumer report This reporting has cause me damages and lost of potential housing. 

FCO 's consumer reporting has caused me hardship and difficult for me to obtain affordable housing.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

On XX/XX/year>, XXXX withdrew XXXX payments in the amount of {$95.00} ( total of {$470.00} ) from my bank account that is through Chime. I closed the card, contacted chime to file the dispute for unauthorized transactions. They denied the dispute on XX/XX/XXXX XXXX so I contacted XXXX to dispute with them. they stated they sent a refund for the transactions ( all XXXX ) back to my account ( all info correct ) on XX/XX/year> at XXXX. I contacted chime again, and they said that XXXX did not. XXXX sent a receipt of the date and time they send the funds back, and chime is still denying my claim and refused to give the funds back.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Next Financial Inc. dba Copper (IA)

On XX/XX/year> I received notice from Copper banking that they were closing all accounts. It stated I would receive my funds within 3-5 business days. That has not happened. On XX/XX/year>, I received notice that once again, within 3-5 business days, my funds would be deposited into a outside account, and that still has not happened.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (NJ)

Disbursed this collection company. Account was closed and reopened numerous times. This has damaged my credit. Lost out on apartments cause Im in need to move XXXX XXXX XXXX. This is unlawful and unethical practices for this collection account. It has ruined my credit score numerous times. Dire need to move.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX  - XXXX "