davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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 (NY)

I hope this message finds you well. I am reaching out to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have always adhered to PayPal 's policies and have not engaged in any unauthorized activities. 

As a long-standing user of PayPal, maintaining a positive and trusted relationship with your platform is of utmost importance to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough review of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have always done. 

I sincerely appreciate your attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are any specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution and the opportunity to resume using PayPal 's services.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (GA)

ONEMAIN FINANICIAL IS ILLEGALLY REPORTING DEBT WITHOUT VALIDATION OR PROOF OF HOW LATE ACCOUNTS WAS VALIDATED ONEMAIN FINANCIAL XXXX XXXX XXXXXXXX XXXX, IN XXXX ACCOUNT : XXXX XX/XX/2024 This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score.

I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law.

Who did you speak to?

License number?

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

After verifying if your company is licensed in the State of California as a collection agency, NMLS consumer access states Sequium Asset Solutions , LLC is not licensed in California, and I have already paid this account in full. Therefore, I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends. You are hereby notified that if you do not comply with this request on the day, you receive this letter, I will be immediate file a complaint with the Federal Trade Commission and the XXXX Attorney Generals office and other appropriate regulatory bodies. Civil claims may be pursued. Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

American Express Gift Card purchases declined. New card with {$500.00}. AmEx is declining due to security code but its the correct security code. After reading online, many people are having this same issue when trying to make online purchases. I tried 6 times and all were declined making this {$500.00} card useless. I checked the balance on the AmEx site and had to enter the security code and its the same code theyre declining purchases for.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MN)

Received a letter from Wells Fargo that I was enrolled in Identity Theft Protection without my consent. I was not given compensation in this letter. I was also given 60 days to respond, but was out of the country when the letter was received to my home. I want to make sure that I receive compensation for this breach of privacy.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OR)

On Friday XX/XX/24 I attempted multiple times to add funds from my bank to my Venmo debit card. I kept getting errors. Then I received an email advising that there was an " issue '' and Venmo needed a copy of my ID and me holding my ID. I promptly provided a picture of my ID but advised I would not be including a photo of myself holding my ID. I didn't receive a response so I attempted to use the chat option. I was only told 10 to 15 business days. I asked for a manager and was told they would try to help in 72 hours. I then received an additional email asking for my most recent bank statement. I provided that and did not get a response. I reached back out via email and the response I received back advised another team needed to review and it would be another 10-15 business days. I replied back that I just need access to the funds in order to close the account and cancel the service. I haven't been able to get a response.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

So I received a notification that someone tried to send an application for a credit card on an XXXX XXXX, XXXX XXXX XXXX Credit Card and I told them that there was fraudulent use of my SSN. This happened on XX/XX/2023 and I only received the date it was submitted but nothing else such as location and time. Currently someone checked my credit report through XXXX XXXX.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-03
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my, XXXX XXXX 's, federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 an 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (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 XXXX XXXX XXXX - 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (IL)

Charge off account-Ally Financial Certificate of indebtedness. 
This account has been charged off and is considered a certificate of indebtedness. Per 26 CFR 108, IRC section 108, and 29 US code 108- a certificate of indebtedness is considered income and income can not be reported on my credit report and must be removed. Under IRC section 108, and 26 U. S. Code 108-income from discharge of indebtedness, a taxpayers cancellation of debt is included in gross income unless specific exceptions apply. 

Right to opt out-Law 15USC-6802-6805 Privacy act of 1974 Per the FCR Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Ally Financial Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission and this is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of Ally Financial credit reporting. Please delete this account from my XXXX report per Privacy act of 1974, and 15USC-6802-6805.
Consumer complaint received 2024-02-23
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 trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

i was checking my paypal and saw a transfer to XXXX XXXX account in the amount of {$56.00}. i didnt authorize a transfer to a XXXX XXXX i contacted paypal about this multiple times and they still refuse to give me my money back they claim it matches my previous history when i never had a XXXX XXXX account
Consumer complaint received 2024-02-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Wells fargo failed to invedtigate my ckaim losed the claim only XXXX XXXX dYs never closed my account and i was robbed of over {$97000.00}. From my boyfriend of 17 yrs left me after he died. Wells fsrgo never allerted me when tbis money was being taken oyt of my account. Balance was checked over 2 bours away from where i lived. In the city of XXXX XXXX i lived in XXXX ca. They were rude and didd not wNt to help me. Then all my money was gone {$140000.00} in 1 and a half months. Neef help got police report and all tje documents XXXX XXXX  lick has it.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the Fair Credit Reporting Act, Credit Acceptance ( account # XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency connot furnish an account without my written instrictions.

Under 15 USCS 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I made a deposit and was told I had to wait 10 days to access my deposit. The reasoning given was that the bank suspects certain checks are fraudulent. The deposited check was from principal life insurance and is one of three identical checks. The other two have been deposited without any issue and no delay was placed on those checks. I requested the bank either release the hold if the funds hand been collected or reverse the deposit and return the check. The bank stated they could not reverse the deposit which indicates they have collected the funds. Basically, they want to collect interest on my money before allowing me to have it. In XXXX, it does not take 10 days to verify checks between large banks. Its done electronically. Simply put, Truist is illegally withholding money that does not belong to them in order to make a profit.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KEYCORP (MI)

I am writing to file a formal complaint against KeyBank for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Fund Transfer Act ( EFTA ). My experience with KeyBank has been extremely distressing, characterized by persistent harassment, misrepresentation, negligence, and a failure to comply with federal regulations, all of which have had a detrimental impact on my financial stability and mental well-being. 

Harassment and Abuse ( 15 USC 1692d ( 5 ) ) : I have been subjected to repeated and continuous phone calls from KeyBank or its representatives, amounting to harassment and occurring at inconvenient times.

Misrepresentation of Debt ( 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692e ( 14 ) ) : The alleged debt has been inaccurately presented in character, amount, and legal status. Moreover, the use of misleading names or titles in debt collection efforts has caused confusion.

Failure to Properly Validate Debt ( 15 USC 1692g ( b ) ) : My requests for debt validation have not been met with adequate responses. KeyBank has failed to provide verification of the debt signed under penalties of perjury, essential for ensuring the accuracy and truthfulness of the debt claim. 
Disputes of Electronic Fund Transfers ( 15 USC 1693f ( 3 ) ) : I dispute two transactions that have resulted in the alleged debt. KeyBank has failed to determine whether an error occurred within the legally required 10-day period, and I have not received any correspondence regarding the outcome of this dispute.

Seeking Treble Damages for Recurring Issues ( 15 USC 1693f ( e ) ) : Due to the recurring nature of these issues with KeyBank, including their non-compliance and errors, I intend to seek treble damages. These repeated instances have caused significant distress and inconvenience.

Lack of Evidence for Authorization of Transactions ( 15 USC 1693g ( a ) ) : KeyBank has not provided any evidence, such as a signature, photograph, or fingerprint, to substantiate the authorization of the disputed transactions. This absence of proof casts serious doubt on the validity of these transactions.

Financial Harm ( 15 USC 1693h ( a ) ) : The incorrect handling of my account by KeyBank has led to financial harm, with insufficient funds and incorrect account balances.
Consumer complaint received 2024-01-13
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX