davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
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 (FL)

I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email address : XXXX ). I firmly believe that this limitation has occurred due to a misunderstanding or error, as I have always strived to adhere to PayPal 's policies and guidelines. 

I want to emphasize that I have not knowingly violated any PayPal policies or engaged in any activities that would warrant such a severe action. My account has been used primarily for personal transactions and occasional online purchases, and I have never been involved in any fraudulent or unauthorized activities. 

Given the importance of my PayPal account for various financial transactions, I kindly request that you re-investigate my case thoroughly. If any discrepancies or misunderstandings have led to this unfortunate situation, I am more than willing to provide any additional information or documentation to assist in resolving this matter promptly. 

I understand that PayPal places a strong emphasis on security and compliance, and I appreciate your commitment to ensuring a safe and trustworthy platform for all users. However, I firmly believe that my account 's permanent limitation is a result of an error or misunderstanding, and I kindly request that you review my case and, if possible, restore access to my PayPal account. 

I value my relationship with PayPal and the convenience it has provided me in managing my finances. I sincerely hope that this issue can be resolved amicably, and I can continue to use PayPal 's services in the future. 

Thank you for your attention to this matter. I look forward to a prompt response and the opportunity to provide any necessary information to support the resolution of this issue.
Consumer complaint received 2023-11-08
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. (SC)

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. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THESE CREDIT INACCURACIES ARE DETRIMENTAL TO YOUR LIVELIHOOD. As it has stopped my son and I from getting proper shelter, a car and employment. I am demanding these items be deleted IMMEDIATELY! 


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 account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2024-03-27
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. (PA)

The Fair Credit Reporting Act requires maximum possible accuracy and that agencies must take reasonable procedures to ensure that. It is being claimed that the account is reporting accurately to all consumer reporting agencies which is false and I demand this account is deleted. See attached exhibits and company responses. It is clear that they did not conduct proper investigation to this matter so I demand that they send me the procedures they took to ensure the accuracy of this inaccurate account.
Consumer complaint received 2023-11-27
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Consumer complaint received 2023-11-08
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. (SC)

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. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THESE CREDIT INACCURACIES ARE DETRIMENTAL TO YOUR LIVELIHOOD. As it has stopped my son and I from getting proper shelter, a car and employment. I am demanding these items be deleted IMMEDIATELY! 


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 account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Lvnv Funding LLC started reporting on all my reports XX/XX/. They are currently reporting on all 3 national reporting agencies. They do not have the authority to collect anything from me. Per the Illinois Department of Financial and Professional Regulation, they are not licensed in the state of Illinois to collect anything as they do no have an active license for Illinois. This has been reporting for nearly 2 years negatively affecting my credit profile and making it hard to purchase a home. They have no legal grounds to collect anything from me, furthermore when I requested them to validate the debt was mine, they could not. I would like this collection removed from every single reporting agency and updated ASAP. Please see the screenshot showing they have an active license in SC, not IL. There are 3 different collections showing, their account numbers are as follows XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Department of education isn't reporting original loan amount of $ XXXX instead they are reporting the balance as the original loan amount. This is a installment loan and should reflect all loans and consolidations inclusive of the 43 loans that were recently consolidated from XXXX XXXX from XXXX to XXXX, before then it was XXXX XXXX, and XXXX  XXXX from XXXX. Those banks are missing from the report all together and it has not been 10 years since the activity of Consolidation.
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CO)

Car received hail damage onXX/XX/2023, on XX/XX/XXXX,XX/XX/2023insurance sent a check for {$9800.00}. We decided to pay off loan instead of repair. As directed by customer service we sent check and all pertinent information to Kia Finance. Certified mail, which they received on XX/XX/23. Because I was told wrong information they were processing a check for body shop. OnXX/XX/23 I sent an email advising that I wanted the check to go to payoff and not repair. On XX/XX/23 received email that it was changed and it will be applied to payoff. On XX/XX/23 I called regarding title because email stating it was sent on XX/XX/23. Was told it was sent to insurance company, and the refund will take 30 days from payoff. Called my insurance company they did not receive title. When I calledXX/XX/23. They will not issue duplicate title without insurance ok. And the refund has not been sent because a manager has to sign it. I feel like I am getting the run around.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (CA)

Relentless calls at my workplace. No information characterization of any specific debt. Just screeching sounds. Every time I need to go back and look at my credit reports to see if any debt appears. This takes a lot of time. The calls come from CCS ( XXXX ) XXXX XXXX. I have written letters and all they did was write back telling me they need more information on the debt but there is not information in screeching calls.
Consumer complaint received 2023-12-20
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. (TX)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
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 (TX)

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe this limitation is the result of a misunderstanding or mistake, as I have always strived to abide by PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I have not knowingly violated any PayPal policies. I have used my PayPal account for various transactions, both personal and business-related, with the utmost respect for PayPal 's terms of service. It has always been my intention to conduct all activities in compliance with your platform 's rules. 

I kindly request that PayPal reconsider and thoroughly investigate my case. If any discrepancies or issues have arisen, I am more than willing to cooperate fully and provide any necessary information to help resolve this matter. My goal is to restore my account to its previous standing so that I can continue to use PayPal 's services for my online financial transactions. 

I understand the importance of maintaining a secure and trustworthy platform for all PayPal users, and I fully support PayPal 's efforts in this regard. If there have been any concerns about my account activity, I am eager to address them and take any necessary steps to rectify the situation. 

I genuinely value the convenience and security that PayPal provides, and I would like the opportunity to continue using your services for my online financial needs. I believe that a careful review of my account activity will demonstrate my commitment to being a responsible PayPal user. 

Thank you for your attention to this matter. I kindly request a prompt review of my appeal, and I am available to provide any additional information or clarification as needed.
Consumer complaint received 2023-09-21
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: Nelnet, Inc. (OH)

Nelnet is reporting a loan as delinquent ( seriously delinquent of more than 120 days ) from the pandemic pause period. As a XXXX XXXX with federal student loans, I followed studentaid.gov and watched that there was no action needed to pause loan payments. I have previously disputed the errors XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX along with a few other dates, they updated some months as current but not all. 
I called Nelnet and was on hold for over 2.5 hours. When I got an agent they told me that loan was brand new to them in XXXX. Then said o wait no its not. Then said yes it was covered then no it wasn't. They told me they would get me to the department I needed to further discuss this issue. Then she came back on the phone and told me she talked to them and the report would stand. I said no I would like to speak to them. They were already told potentially erroneous information by the Nelnet agent. 
Frankly I am not wanting Nelnet to even service my loans, I don't feel I can trust them. 

I want the 4 late payments on my credit report removed, as a XXXX XXXX in the global pandemic, I am not sure how working 80 hours per week, and catching XXXX  and being down and out form XXXX to XXXX and then returning to work is an offense to have 4 late payment notifications when we weren't supposed to owe during the pandemic.
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit Acceptance ( Lender ) FAILED TO PROPERLY APPLY PAYMENTS MADE ON LOAN made by BORROWER and changed loan agreement to apply payments on account as interest bearing rather than on the balance as BORROWER signed too! Lender DEMONSTRATES BAD BUSINESS PRACTICES and fraudulent credit reporting attempting to obstruct borrower from paying loan off early. LENDER CHANGED the loan agreement after BORROWER cancelled the two contracts lender insisted it buy. The balance should've been {$14000.00} on XX/XX/XXXX, with payments deducted from the balance, all payments made to date have been paid in INTEREST BEARING only, unbeknownst to borrower until yesterday XX/XX/XXXX. This is predatory lending and fraudulent bad business practices.