davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NJ)

In XXXX I became a victim of identity theft. I have tried to verify debts and payments owed. 

XX/XX/XXXX I confirmed the alleged debt with the original creditor ( XXXX XXXX XXXX ) but the representative was unable to locate the account. 

XX/XX/XXXX I submitted a complaint to the Better Business Bureau about Enhanced Credit Recovery ( ERC ) stating that I did not enter into an agreement with the company. 

XXXX XXXX XXXX XXXX XXXX XXXX  adjusted my credit report and removed the collection from my account,. 

XX/XX/XXXX I submitted a dispute with XXXX about the inaccurate report concerning ERC stating that I did not enter into an agreement with the company. 

XXXX XXXX XXXX XXXX stated that ERC confirmed the information as XXXX.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (FL)

On XX/XX/2024 I called customer service to open a merchant dispute for merchandize not received, and the claim was open under the case ID XXXX. 
A couple of days ago I received the letter from the bank with the information about the case and I could notice that not all the transactions were added. 
I called customer service today XX/XX/2024 and the representative couldnt verify me so I was requested to send a notarized document. 
I told her Im XXXX XXXX XXXX, I dont live in the XXXX so a notarization is impossible to do it XXXX, also doesnt make sense if 3 weeks ago I opened the dispute through the same customer service and they verified me without any problems. 
If the customer is XXXX XXXX  means that doesnt have SSN, also without any public records on the US and also doesnt have a direct deposit. 
She could ask me any transaction on my account, send me a passcode by text or voice call to my USA phone number, emails address or push notification, also could ask where and when I opened my account or any personal information. 

Please add these XXXX transactions from the same merchant to the claim or open a new one : Posted dates on my XXXX XXXX XX/XX/2024 {$79000.00} XX/XX/2024 {$89000.00} XX/XX/2024 {$89000.00} 1 Ipad air and 2 Ipad pro, the expected delivery date given was XX/XX/2024. 
The seller didnt have the stock of items at the store so they will send it from their warehouse to my home. 
I treid to reach them several times to ask about the shipment information, tracking number or delivery confirmation without success. 
I wasnt abble to go in person to the store because Im in a business trip for 3 months. 

Please proceed with the chargeback requested for merchandize not received.
Consumer complaint received 2023-11-08
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 (TN)

Dear PayPal Support Team, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account with the email address XXXX. 

First and foremost, I believe that this limitation may have been imposed in error. I have always strived to use my PayPal account in full compliance with PayPal 's policies and guidelines. I have not engaged in any activities that would warrant such a severe action, and I take my responsibilities as a PayPal user seriously.

I kindly request that PayPal conduct a thorough re-evaluation of my account and the circumstances that led to its permanent limitation. I am confident that upon review, it will become evident that I have not violated any PayPal policies.

Having relied on PayPal for my online transactions and payments, the permanent limitation of my account has caused considerable inconvenience and disruption to my financial activities. I humbly ask PayPal to reconsider its decision and, if possible, to reinstate my account, enabling me to resume using your platform for my online transactions.

I understand that PayPal 's primary concern is to maintain the integrity of its platform and protect its users. I assure you that I share these same goals and am committed to using PayPal in a responsible and compliant manner.

I kindly request that you provide me with an opportunity to address any concerns or issues that may have led to this limitation, and I am more than willing to cooperate fully to resolve this matter.

I appreciate your attention to this appeal and kindly ask for a prompt review of my case. Restoring my PayPal account would greatly alleviate the difficulties I am currently facing.

Thank you for your understanding, and I look forward to a favorable resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-26
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. (CA)

This is my complaint for EQUIFAX. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found late payments which never happened and accounts with inaccurate information, such as payment history, status,, balances, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

I contacted Specialized Loan Servicing in writing requesting my Private Mortgage Insurance be cancelled on XX/XX/XXXX. I didnt receive a response so I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was told on all occasions I was sent a form that I needed to complete. I advised I never received a form and each time requested they mail it out again. Over a year later I still have not received any documentation regarding my request. I asked for it to be faxed or emailed and was told thats not possible.
Consumer complaint received 2023-08-31
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (MI)

XXXX confirmed that I am not the person that applied for any product or services with the company. Equifax refused to delete inwuiriees based off this information. I will be moving forward with a law suit.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (WA)

A month ago, I had contacted PenFed CU to get access to my online account so I could pay my bill. My phone number had changed so when trying to login into my account, I couldnt get passed the verification because it was linked to my old number. I spoke to a lady who said she couldnt help me and the only thing I could do was to mail a copy of my drivers license and phone bill. I did that, then got an email saying the info provided was insufficient and no solution to help me getting online. I called today, spoke to a gentleman who said they have the info however they needed a colored copy of my drivers license. The guy said I could upload a new copy of my drivers through an online portal. Then he advised I would need to call back in 2 hours and they could move forward with updating my phone number. What does it matter if my drivers license copy is in black or white or colored?! 
This has been a ridiculous long and tedious process. My credit has been hurt and still waiting to get my account paid.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (GA)

Information on my credit report is not correct. I have not been late my account was paid. I did not have repossession at all. Please have this account remove completely. There are not reporting correctly on my credit report. By law i have the right to have compliant to remove it completely from my credit report. XXXX, XXXX and XXXX. each one is reporting different information.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NJ)

My Fidelity Rewards Visa, issued by XXXX XXXX XXXX, had a balance of about XXXX due on XX/XX/XXXX. I have autopay on, set to pay the full amount owed in order to avoid interest charges and fees. 

The autopay hit my checking account on XX/XX/XXXX as scheduled, however took only approx. XXXX for the payment, leaving me with an almost XXXX balance due on my credit card. I don't always pay close attention to the payments as I know I have autopay on to pay the full amount, however this one struck me as wrong and I checked it. I called XXXX and they said the full payment was not taken sue to system confusion with credits that had come in after the billing period. I was asked to make an additional payment of almost XXXX to meet the statement balance. 

I happened to notice and will not be hit with any fees and interest, however XXXX has a system issue that needs to be addressed. I pointed this out to the customer service rep on the phone but she was clearly not in a position to pass this on to management. 

There are certainly other consumers who have been or will be impacted by this XXXX system issue and will be charged interest and fees that go unnoticed. As a former Compliance Officer at large financial institutions I would have wanted this reported to meXXXX I don't know how to report this to the Compliance team at XXXX so hope you will pass this along to them. 

Thank you.
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

i have been reporting this incident for years now and no one hasnt did anything about it. Its alot of things i can not apply for because someone has use my information and open several accounts in my name. My car was vandalized a few years ago in XXXX, tx at a hotel and they stole my bag with my ssn, ids and other personal info. I see students loans, bank/credit unions, utilities, cars and etc thats not mines. And its leaving negative output on my credit report. I need them remove asap. I attached other important to this complaint.
Consumer complaint received 2023-08-31
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. (IL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-22
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. (OH)

I wrote a letter to the Dept of education and to XXXX  about why they have my loan information on my credit and consumer reports without my written consent. At the time of applying and accepting the loan for college courses I was NOT notified about this showing up on my report nor was this made clear to me this would occur. They violated the law and do NOT have permissible purpose to share this information to the consumer reporting agencies. I've requested for the proof of permissible purpose given and they could NOT provide and with each letter I sent them they wrote back saying there wasn't enough information provided which doesn't make sense.
Consumer complaint received 2024-02-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NJ)

in XXXX I received notice of an unpaid debt to XXXX XXXX XXXX from a collection agency named XXXX  and I filed a complaint with CFPB. Since this was a clear case of ID theft, XXXX did not pursue this debt. In XXXX of this year ( XXXX ), I received the same claim from another debt collection agency named Radius Global Solutions, LLC looking for this same claim on an account that was clearly not mine. I did manage to speak to someone at XXXX XXXX XXXX this time to find out more about this account and even they agreed it was fraudulent. the account rep I spoke to made notes in the XXXX XXXX XXXX file that would show the account was fraudulent and there was nothing they could do about it now because they sold that debt years ago. 
The XXXX & XXXX account was not opened by me, and therefore will not pay any money to resolve this erroneous debt.
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/16, I received a notification from my bank ( Bank of america ) That there was deposit of 2 large checks amount XXXX and XXXX totaling XXXX made in my account in XXXX XXXX, IL. I informed Bank Of America representative over the phone that it was not me whom made a ATM deposit for those checks and i have no knowledge of whom deposited the checks into my account. I also informed the representative that i live in and on the date of incident was in XXXX, FL. My account was prematurely shut down and i have had the gruesome event of trying to prove to Bank Of America,  N.A that my information was stolen. I was not giving the opportunity to have an investigation done on this matter and upon the shutting down my account which no money was recovered from this incident, My personal information has been flagged throughout banking screening systems such as XXXX  and XXXX XXXX. I am unable to access any information or obtain another account with any financial institute due to this incident. Bank of America have not been helpful or forthcoming in light of this incident and instead of helping they have basically blamed me for my information being stolen and used maliciously. I have spoke to there fraud department and several branch advisor who continuously told me that there is nothing they can do. I have also had a In branch rep tell me they can not find my history with bank of america and insinuated that i may have been at the wrong bank, until i retrieved all of my statement from my vehicle and brought then to the teller. I have filed a police report in this matter and now I am getting a response back from XXXX XXXX after 2 years of trying to clear my name. Because of bank of america, at this time i am unable to get a bank account at any other financial institute for Incorrectly flagging my name. I would like better ways of screening person information before flagging a person for something they did not do.
Consumer complaint received 2024-03-21
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: JPMORGAN CHASE & CO. (TX)

Complaint Regarding Chase Bank, XXXX, and XXXX Dear XXXX, I am writing to file a formal complaint regarding ongoing issues with Chase Bank XXXX XXXX, and XXXX that have significantly impacted my credit score without valid reasons or explanations.

The crux of the issue lies with Chase Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, Chase Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than XXXX  days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, XXXX recently dropped my credit score by XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both Chase Bank and XXXX. Specifically, I request the following actions : XXXX Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review Chase Bank 's response and ensure that they address the theft of my car situation appropriately. 
I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue. 

Thank you for your time and consideration.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Take a look at the documents provided. I want the bureau to launch an investigation into these accounts, as I have never been tardy with payments, yet they are inaccurately reported as late.