davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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 (CO)

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is registered under the email address XXXX. I believe this limitation is the result of a misunderstanding or error, as I have always strived to comply with 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 legitimate transactions and have made every effort to adhere to all terms and conditions set forth by PayPal. To the best of my knowledge, there has been no suspicious or fraudulent activity associated with my account. 

Understanding the importance of maintaining trust and security within the PayPal community, I kindly request that PayPal re-evaluates my case thoroughly. I believe that upon further review, it will become evident that this limitation was not warranted. It is my sincere hope that you will consider lifting the limitation and reinstating my PayPal account. 

I value the convenience and security that PayPal provides for online transactions, and I would like to continue using your services. I am more than willing to provide any additional information or documentation necessary to assist in the resolution of this matter promptly. 

I am confident that PayPal 's commitment to fairness and customer satisfaction will guide you in making the right decision. I kindly request a second look at my case, and I hope to see my account fully restored in the near future. 

Thank you for your attention to this matter. I look forward to a positive resolution and the opportunity to continue using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-16
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. (GA)

I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 
See below : 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 2023-10-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (AL)

On XX/XX/XXXX we notified American Express that they had paid out of our account fraudulent claims, We were told that it would be turned over to the fraud department, XX/XX/XXXX tthe fraud department told us that we must submit a claim which we did. 
Talked with reps from the fraud department on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Each time we were told that they were working on it and the funds would be put back within 10 working days, This has not happened, On XX/XX/XXXX I asked to speak with the fraud department supervisor and was told by XXXX that she could not transfer me but she would notify the supervisor and they would call me within 48 hours, Never received a call back, American Express Savings does not seem concerned about them paying out funds that were not authorized by the depositor, As you can see we have made every attempt to resolve this matter to no avail,
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

All the Credit bureaus contacted me after a hard inquiry was pulled by JPMorgan Credit Card services. I already have an identity theft block on my social security number and still someone was able to apply for a credit card without my consent. My credit dropped XXXX points because of this inquiry
Consumer complaint received 2024-04-05
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. (TN)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOW [ XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account XXXX : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX ], I hereby request a reinvestigation which accurately abides by 15 U.S. Code 1681a ( e ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.

If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Consumer complaint received 2023-10-16
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. (GA)

After taking a trip to XXXX I was notified by creditwise through my credit card app that a XXXX XXXX and a XXXX XXXX card had been opened under my identity. I disputed the XXXXXXXX XXXX and it was taken care of ( this actually happened twice within a few month span ) This was removed from my credit report. 

My first step was to Call XXXX and have them open an investigation. 

I then opened a dispute with XXXX on XX/XX/2023 when I because aware of the issue. File # XXXX. They verified the account as accurate and updated which is incorrect. 

I then filed multiple disputes with Experian on XX/XX/2023. Report XXXX XXXX. All of which were deleted from my report, please see below. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

I then filed another dispute with Experian XXXX XX/XX/2023. Report XXXX XXXX. During this dispute they removed another " XXXX '' fraudulent account along with a XXXX account. 

For some reason they did not remove the XXXX XXXX account but instead said it was verified and updated. Please see below. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

XXXX is showing the account as closed. I don't understand how the different bureaus are showing this in different statuses.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (WI)

I went in to cash my check I got denied cashing my check but the teller said I can deposit it for you never said it was gone be 6 days hold I had to walk-in the rain then I got a text in my email saying that my money feting hold for more then XXXX hours with no reason just because Im a new customer. I never heard a bank holding your check for 6 days unless the check got reported stolen and its not I just got that from the state of Wisconsin
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (NC)

I was XXXX in XXXX XXXX XXXX during the time this loan was initiated with XXXX XXXX XXXX XXXX. During this time I did not have cell phone service or wifi. It was impossible for me to pull the loan. Ive called and asked them about it and they did confirm it was electronically signed. Ive recently been able to get a copy of my credit report and identity errors such as this because Ive taken a break from XXXX. From XXXX Ive XXXX XXXX times with the XXXX XXXX . All to places where I did not have cell phone service or wifi. The account number of this loan is XXXX. 

This account was fraudulently opened by someone who accessed my account during this time of my first XXXX. Please resolve this issue and remove it from my credit report. Ive already filled out a report with identitytheft.gov and contact XXXX XXXX and was offered no resolution.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

Fraud inquiry. Called and even have letter saying deleted. Still on report so disputed again and now the day will remain. Its fraud! For XXXX XXXX ss XXXX
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2023-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

On XX/XX/XXXX, I received a signed copy of my permanent loan modification in my name only, omitting the co-borrower ( ex-spouse ), that I signed on XX/XX/XXXX. XXXX XXXX XXXXXXXX sent me a request to resign my modification documents on XX/XX/XXXX. These documents included the co-borrower ( ex-spouse ). I was unsure why after having been modified for two years, they would be asking me to resign the same documents or why the co-borrower was placed back onto my mortgage after already being removed. So, I did not sign. XXXX of XXXX did not honor my permanent modification and eventually transferred my loan to Carrington Mortage. As the new servicer Carrington also did not honor my modification from XX/XX/XXXX. 

I am currently in default but protected under XXXX XXXX Bankruptcy. Carrington Mortage is offering to modify my loan but is refusing to remove the co-borrower 's name or update my legal name, as it changed in XXXX once the divorce was finalized from coborrower. Carrington is demanding that the new modification documents must include the co-borrower, again who was removed from the note in XXXX. Despite providing the same documents I provided XXXX XXXX XXXXXXXX in XXXX which included the divorce decree, property deed, social security card and driver 's license. Carrington says that they would need property division information in order to remove the co-borrower who again was already removed by XXXXXXXX XXXX XXXXXXXX in XXXX. 

I sent Carrington email on XX/XX/XXXX explaining that we ( myself and co-borrower ) agreement prior to the final divorce decree and that he was removed from the deed on XX/XX/XXXX and the finalized divorced happened on XX/XX/XXXX but they are still insisting that they need property division along with the divorce decree. I also reminded them of the XXXX modification that had removed the co-borrower but and that I don't even know where the co-borrower even lives anymore. 

In summary, XXXXXXXX XXXX XXXXXXXX never recorded my permanent modification that removed the co-borrower and neither bank has honored my modification resulting in my inability to be modified now. I now have an active application with the HAF program and was given an extremely hard time getting my letter of reinstatement for that application to move to next step in the HAF application process. I had to ask a HAF representative to join in on a three-way call with Carrington. After being on the phone for nearly two hours, Carrington finally connected their XXXX program XXXX with the XXXX representative helping me with my application.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXXXXXX 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 2024-04-05
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. (CA)

I am not liable for the late payments with ( XXXX ). Three late payments were stated on this account that were in fact paid on time. All 3 credit bureaus are giving inaccuracies stating the late payments were in different months that do not coincide with each other. 

The consumer reporting agencies did not report all information with accuracy. This account has NEVER been late on payments and I've attached a copy of my report from IdentityIQ for the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] I demand these payments be updated to the correct data that they were paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-10-16
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. (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. 

Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-16
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. (KY)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no cons
umer 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 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX