davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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 (CA)

Dear PayPal, I am writing to appeal the permanent limitation placed on my PayPal account, which I believe to have been a mistake. I would like to respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to state that I have not violated any PayPal policies. I have always complied with the terms and conditions of your service, and have never engaged in any fraudulent or suspicious activities. I have been a loyal and responsible user of your platform for a long time, and it is therefore deeply concerning and distressing to me that my account has been limited. 

I strongly believe that this limitation was a mistake, and that there has been some misunderstanding or error in the assessment of my account. I am therefore eager for you to re-investigate my case thoroughly and to consider any evidence or information that I can provide to support my appeal. 

In light of the above, I would like to request that you restore my account and lift the limitation that has been placed on it. This would enable me to resume using PayPal for my transactions and to continue benefiting from the many features and advantages that your service provides. 

I appreciate your attention to this matter and would be grateful for any updates or information you can provide me regarding the status of my appeal. If you require any further information or clarification from me, please do not hesitate to contact me at the email address associated with my PayPal account : XXXX. 

Thank you for your consideration. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my OTHER 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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account name : NAVY FCU Account number : XXXX
Consumer complaint received 2023-12-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address a matter of utmost importance regarding the reporting of an account under my name in your credit records. The account in question is associated with XXXX  XXXX, with the account number XXXX. I appreciate your attention to this matter, as it involves a unique circumstance. Unfortunately, my father, the primary account holder, passed away recently, and as a result, I encountered challenges that led to a single late payment on the aforementioned account. I have been in communication with XXXX XXXX, and I am pleased to inform you that they have acknowledged the circumstances surrounding this late payment and have agreed, as a goodwill gesture, to remove the negative status and the associated late payment date from my credit history. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. NEED THIS INFORMATION REMOVED FAST AS POSSIBLE WANTING TO BUY HOME ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-04-17
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Bank some how turned off autopay without notifying me, months ago. Although I had multiple points of contact with bank I was never notified payments were not made/ late or that autopay was turned off. Funds were always available. Hold times to speak to a rep are over one hour. Each rep gives different and conflicting information as to which bank account was linked/ why autopay was turned off and how it was turned back on. I was only notified by an third party agency of 30 days delinquent. I made payment that day and paid bank card payment in full. Then magically the autopay was turned back on by bank ( not by me ) to the correct account. Bank does not return calls, makes it impossible to speak to a manager nor can give clear reasons for the failure of communication/ notification. Bank is not making good faith error to correct the erroneous credit report of 30 days delinquent. due to system error or explain clearly the mechanisms that caused the failure. Bank was not able to advise me of when and how I was notified of problems. Further more when I asked to close the account I was told that also could not be done without a call back. That I also never received.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but you failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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 block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

on XX/XX/23 I sent a letter regarding inaccurate I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me
Consumer complaint received 2023-12-26
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. (KY)

It has come to my attention that XXXX XXXX XXXX has been sharing my information with non affiliate 3rd party. Pursuant to 15 U.S. Code 6802 and the Privacy Act of 1974, they should not be sharing my information with 3rd party non-affiliates without the required disclosures. I'm coming to the CFPB because under 15 U.S. Code 6805. I am using my right to opt out 16 cfr 313 Privacy of Consumer Financial Information.
Consumer complaint received 2023-10-04
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX Account name : DEPTEDXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX FL ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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.
Consumer complaint received 2023-09-18
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Crown Asset Management, LLC, Duluth, GA Branch (OH)

XXXX XXXX credit card company was no help in helping me reduce payments during financial hardship they turned payment over to Crown assessment management company. They harassed me repeatedly daily, even calling relatives that they could find harassing them. I set up a small payment plan with them but I do not get any monthly statements Ive been trying to reach them to see my balance on this account and I can not get through to them., nor will they email or call me back they are ruthless horrible people
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have been requesting Experian to correct my name on my consumer report. Since XXXX of this year they are reporting XXXX names for me, I have called them XXXX times and written them a certified letter with a copy of my drivers license and my bank account with the correct spelling of my name and they still refuse to change it. Recently I have applied for a loan and was denied. 

I will also forward a copy of the loan denial and other documents thru certified mail that I can't upload to this site.. I will send them thru certified mail as soon as I have a reference number from your office Also in my dispute letter to Experian I have detailed dates and documents, which I will upload here or send certified mail
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I uploaded a PSLF form for processing by Mohela. Three months after uploading the form, they finally responded and marked it " Duplicate Form '' when in fact it was NOT a duplicate form. This has happened twice now. The first time it happened the problem was rectified, however it took a very long time ( close to 6 months ). The current one I am dealing with has not been rectified despite my phone calls to the company ( each time I called I was on hold for 2+ hours just to speak to someone and then was put on hold again while they tried to fix the issue ). I was assured during each of these multiple phone calls that the problem would be addressed and fixed within 5 business days. These days came and went with absolutely no resolution to my issue. However, Mohela did send correspondence for me to update my information and also about payments restarting. Fortunately, I was able to have the payments deferred while they worked on resolving the issue. I have been dealing with this most current issue since XXXX with absolutely no resolution. I feel as though I am getting the run around ( mainly because the current form I uploaded in XXXX would put me at 120 payment which qualifies me for loan forgiveness ). If this were a late payment issue, I am sure Mohela would be going out of their way calling me and to get paid. Mohela 's action ( or lack thereof ) is blatant neglect and immediate action needs to be taken.
Consumer complaint received 2023-08-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (TX)

My Complaint about the Key Bank Complain subject : Property insurance Inception : XX/XX/XXXX Entity name : XXXX XXXX XXXX XXXX There was property insurance in effect from the XX/XX/XXXX. 
However, the bank claims that the insurance we placed is not according to requirements after XXXX renewal. Our insurance remained the same. 
Bank had put lender placed insurance without informing us and had been collecting premiums from the bank through ACH which I didnt catch till later. 
The normal method of notification is through XXXX, I was never informed of the inadequacy of the Insurance and the Banks intention of placing insurance and after they placed the insurance. 
( I wanted to prove my understanding that the Bank informed any issue they deemed important through XXXX  by stopping payment. As expected I received a XXXX letter within seven days. ) So, I carried two sets of insurance for the last year and they still refuse to remove lender placed insurance after we satisfied all their requirements. I am carrying two sets of insurance as now and did so last year too. 
We enquired as to what is not covered, but the information come in pieces and the bank was never satisfied with what we provided. 
So we asked the bank to provide the full policy document for the insurance they placed. But they refuse to give us the document. The bank wants us to provide the certificate, full policy document and payment receipts, but refuse to reciprocate. 
I am at my wits end as they simply keep taking funds through ACH and I have no control. They claim they placed insurance but refuse to give any proof. 
So, I need to get refunds of all the bank placed policies as we had insurance in place to cover the whole period. If the coverage is lacking, I need proof of their coverage and specific costs and costs just to cover what was lacking.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A. (FL)

A judge has given PNC Bank a foreclosure summary judgment against my property for not making alleged payments. PNC bank is not the original lender. I closed on the property XXXX and was not told that my application was the payment, nor told that the my application was made a negotiable instrument and securitized. I have provided documentation that fraud took place during the closing transaction. PNC & BBVA USA bank merged in and did not tell me that BBVA USA sold its interest, and failed to file the XXXX XXXX XXXX in the property records which concealed their unlawful actions and continued to accept payments from me out of pocket. I have provided a XXXX XXXX  that shows that my property has been paid for. I was fraudulently induced to sign the XXXX XXXX XXXX when I never received a loan. The bank did not perform, there was not meeting of the minds, the bank does not have any standing because it is not the original " lender '', and the bank was not entitled to receive a XXXX XXXX XXXX XXXX XXXX because my XXXX  was the security collateral. Additionally, XXXX lots were omitted from the legal description of the property and sold to other people. PNC Bank XXXX XXXX has securitized my XXXX XXXX XXXX XXXX ( possibly the deed as well ) and failed to disclose that to me. I have sent a XXXX XXXX XXXXXXXX to PNC attorney on XX/XX/XXXX. I have filed an appeal of the XXXX to the District Court of Appeals and that is being processed by the Clerk of the Court. I have filed a mail fraud against PNC with the Postal Inspector, I mailed form XXXX to the Internal Revenue Service, and now I am filing this complaint with CFPB. I will also file a complaint with the Securities Exchange Commission for Securities fraud, because PNC Is a Securitizer. PNC has violated my privacy rights, violated the Fair Department Collections practices act. ( FDCPA ), by unlawfully attempting to collect debt.
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MS)

I received a response XXXX XXXX from XXXX XXXX, Senior Specialist at Synchrony Bank concerning the complaint I previously filed with the CFPB. At the time of my business with Synchrony Bank, I did not unknowingly realize I was paying a debt with a debt note ; neither did anyone at Synchrony inform me which is expected. Synchrony Bank never credited my account via the Electronic Funds Transfer Act from the dividend payment made from my treasury coupon. Yet, had the audacity to charge off my paid account ( which was consistently gaining profit using my application to trade on the secondary market ) and insist that they took a loss. This is a clear violation of securities fraud. Furthermore, creditors are not allowed to collect discharged debts. I have proof from multiple voicemails your company has left on my cellular device day in and day out. 

15USC1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obigor, the creditor shall- A. Credit the amount of the credit balance to the consumer 's account ; B. Refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C. Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than 6 months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. 

Second violation : Mail Fraud [ 18USC1341 ] Securities are to be sent in registered form ONLY which is on your 8k/10k form that you publicly filed and agreed to abide by with the Securities and Exchange Commission XXXX
Consumer complaint received 2023-12-01
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: Experian Information Solutions Inc. (GA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.