davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (IN)

Have had PayPal account for over 10 yrs. Used mainly for online purchases and some money transfers My account is frozen. Have given them the info requested on web site but appears they want a bank statement. I am not giving them this personal info.

Account was compromised a couple of year ago costing almost {$8000.00} Filed police report, contacted attorney, etc. PayPal did refund me my money.

This experience caused extreme XXXX, as one could imagine.

Freezing account seems to be result of another attempt to get to my account. I declined a purchase, as it was not made by me. 

I am now XXXX XXXX XXXX. Have limited financial reserve, and a lot of XXXX  about how far my funds will last. 

Worrring about being hacked again is why I don't want to give any further info. And am reducing accounts so family can better track my assets for my XXXX XXXX. 

There is a balance of {$610.00} I would like sent to me. Account can be closed and yes I am aware it can not be reopened.

Attorney has sent 2 emails to persons he has dealt in the past but with but no response.

He as recommended I submit a claim to you.Re : Account Holder : Attached is email conversation with Attorney, XXXX XXXX TO : XXXX XXXX XXXX Reference No. : XXXX/ XXXX XXXX XXXX. XXXX Inbox FROM : XXXX XXXX XXXX XX/XX/year>, XXXX to XXXX, XXXX Dear Gentlemen : I was following up on my email below in regard to XXXX XXXX account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fax ( XXXX XXXX ) FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sirs : I have been contacted by XXXX XXXX in regard to the above reference number and her account. XXXX XXXX is XXXX XXXX XXXX. She has had her PayPal account for over 10 plus years. She has had several issues with scams and hackers on her accounts. At this time, her account with PayPal is frozen for her protection. She wishes to close her account and have the remainder of her funds in the amount of {$610.00} released to her.

Please advise if you need any further information. Thank you for your assistance. 


( # XXXX ) From : XXXX XXXX XXXX Sent : Friday, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Subject : Re : Account Holder : XXXX XXXX XXXX Reference No. : XXXX/ XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is there any progress on this matter? Thank you for your attention. 
XX/XX/year>, XXXX ( 5 days ago ) ( # XXXX ) RESPONSE, XX/XX/year> XXXX ( XXXX hours ago ) XXXX XXXX : I still have not received a response. You may want to file a complaint with the federal Consumer Financial Protection Bureau Submit a complaint | Consumer Financial Protection Bureau ( consumerfinance.gov ) XXXX XXXX XXXX
Consumer complaint received 2024-06-22
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. (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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-06-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (OH)

I attended XXXX XXXX XXXX XXXX XXXX, which unfortunately closed down years ago. Since then, there have been several class action lawsuits against the institution due to its practices and the impact on students like myself. Given the circumstances and the fact that the college is no longer operational, I believe my student loans should be forgiven. The closure of the college and the subsequent legal actions highlight that students were misled and did not receive the education they were promised. Loan forgiveness would provide much-needed relief and a fair resolution for those affected.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC (NY)

XXXX, Reliant Capital Solutions, an authorized representative for the Ohio State Attorney General office has business of yours in its office. To make a payment or for assistance please call XXXX. For additional details visit https : //www.ohioattorneygeneral.gov/XXXX. To opt out text STOP This was text to me on XX/XX/2024. I never lived in Ohio or visited Ohio. I dont owe any debt. I will text to stop.
Consumer complaint received 2024-06-22
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. (IN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I applied for an auto loan on XXXX XXXX for the amount of {$3900.00}. LVNV FUNDING LLC on behalf of XXXX XXXX has reported on the defaulted loan but instead of removing the debt from its original date of default the company has changed the date for it to appear as a new debt on my credit report. It shows as opened on XXXX XXXX XXXX XXXX XXXX XXXX and active since XX/XX/year>. I had not been active on the account at all and just recently contacted to make a payment. I was unaware that what this company did was fraudulent and illegal as the debt should have been removed from my credit report after 7 years. I called to resolve the debt and that I would pay in increments but the representative was dismissive of my financial situation and told me that any offer could be denied if I did not make a payment that day. I made a payment of {$580.00} which they told me I would get an email confirmation for and I did not receive anything from the company nor has this changed on my credit report. Now I feel like I have to keep calling them when they shouldn't have charged me anything to begin with. I paid through a third party company of LVNV FUNDING LLC called XXXX.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (FL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my COMENITYBANK/VICTORIA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-26
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. (MI)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose i also attached evidence. 

XXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 12. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 14. XXXX  XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 15. XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 16. XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 17. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-06-27
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. (CA)

I had a business card with XXXX XXXX XXXX and left the company on XX/XX/XXXX. There was a payment due of {$150.00} on the card that I had set-up to pay prior to leaving the company. I had cancelled the card on XX/XX/XXXX prior to leaving the company. 

For some reason the {$150.00} payment did not go through and I ( or the company ) was not notified by mail/email of such delinquency. As my company XXXX was closed, not sure if they sent any notifications bu obviously I did not receive it. Somebody from XXXX called me in XXXX saying that the payment is due. I asked them to call the company/CEO to make the payment as I have no access or authority to pay and that they would take care of it as there was no intention of not paying it. 

I did not hear anything back from XXXX so I assumed that it was resolved. On XXXX XXXX I saw that my 'personal " credit score was reduced by XXXX points and that XXXX XXXX XXXX reported this delinquency on my personal credit report. I called XXXX to find out what is going on and they informed me that the amount was not paid. I immediately asked the company to pay the amount ( which was now {$270.00} including late fees )- it was paid on XX/XX/XXXX. I opened a dispute with Experian to remove this entry from my credit report so my score can be adjusted back to Excellent ( XXXX ) as it was only a one time issue and I have never had a late payment. The account is already closed and there is no risk of any future late payments. 

For the past few days I have been going back and forth with Experian and XXXX to resolve this issue and they keep pointing the finger at each other as they will not remove this entry from my credit report. I am not disputing that it was late as it somehow feel through the cracks but now that it is resolved, it should be removed. 

Note that I never received any mail/email notification from XXXX for this error and it does not seem fair to hit the XXXXredit score by XXXX points for just a {$150.00} error with no history of any delinquent payments. 

I would like XXXX to delete this entry so Experian can update the score. XXXX is telling me that they have no authority to do it and it is up to Experian and Experian is telling me that XXXX has to delte/remove it so that they can update the score, so I am not sure as a consumer how to resolve this issue. 

Thanks for your help!
Consumer complaint received 2024-05-31
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, has violated my rights. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to highlight the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.