davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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 (NM)

To Whom It May Concern, I am writing to file a formal complaint against PayPal regarding the permanent limitation of my account. On XX/XX/XXXX, I received a notification from PayPal stating that my account had been permanently limited due to a violation of their acceptable use terms. The notification referenced selling items, which was confusing because I have never used my PayPal account to sell anything. I have only used it to make purchases and send/receive payments from friends and family. 

I contacted PayPal and spoke to a supervisor who stated that they could not provide me with any information on the ban and that there was no appeal process. I find this unacceptable and unfair, especially since I have never had any issues with PayPal in over a decade of using their services. 

I was not notified of any suspicious activity beforehand, nor was I given the opportunity to appeal the decision. Additionally, none of my purchases have ever violated their acceptable use policy, as they are all from vendors who use and partner with PayPal. 

As a result of this permanent limitation, I am now unable to fulfill subscriptions and payments that I use to run my wife 's and my businesses. This has caused a significant disruption to our operations and has negatively impacted our income. 

I believe that PayPal 's actions violate the Consumer Financial Protection Act, and I request that the CFPB investigate this matter. I am requesting that PayPal immediately lift the permanent limitation on my account and provide me with a detailed explanation of the violation that allegedly occurred. I also request that PayPal establish a fair and transparent appeals process for customers who have been subjected to permanent limitations without notice or explanation. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-04-02
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. (OH)

I am disputing do not relate to any transactions, I was informed by XXXX XXXX that my chances to obtain a credit card with XXXX XXXX were excellent & it would help me grow my credit. XXXX XXXXXXXX XXXX is reporting on my credit report as a hard inquiry. XXXX XXXXXXXX XXXX was never approved by me nor did I give any consent/permission to publish the inquiry on my credit report. A hard inquiry statue is two years and it's still reporting on my inquiry, while XXXX XXXX XXXX have removed the inquiry.
Consumer complaint received 2023-05-23
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. (TX)

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 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 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 2023-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

First of all, they have called me, asking for a different woman, and I told them to take my name off the list. Not realizing they were a deck collector. 
The second time they reached out to me and said a name I recognized. Before answering any information, I asked, who I was speaking with which we began battling on who should speak first. I demanded information very simple information, asking for his name, and the company he worked for. All of these messages are recorded is with the automated message said prior to this conversation by the way. I also asked for the address several times before he finally gave it to me. 
As I told him, I do not owe any debt from XXXX and demanded he send me proof that he is even reaching out to the correct person.
Consumer complaint received 2023-04-26
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-09-02
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. (FL)

I am formally file to complaint these accounts which are seems to be incorrect. The payment history and date to late payments are inaccurate. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. The Credit Bureaus are reporting false information and I believe the company is violating of the FCRA. Please assist me to correct the late payments from these accounts. The current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.Kindly assist me to correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise correct these following accounts immediately : XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX Balance : {$1600.00}.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My loan was Forgiven effective XX/XX/XXXX, I received the confirmation letter on XX/XX/XXXX. The letter states that the credit bureaus would be notified by the end of the month and my status updated. I followed up with XXXX in XXXX because I did not see a change on my credit report the next month and was told on the first initial to send the credit bureaus the letter I received and to dispute the item, but that they had reported on the XXXX of that month and I should see the change in XXXX, I did this and the credit report investigated and said that XXXX had confirmed that the account was still open and owed and did not remove it from my credit report. I contacted XXXX again and was subsequently told it takes sixty days from the time the loan was forgiven to be removed from the credit report and that it should be reported at the end of XXXX and I should see an update to my credit score in early XXXX, when XXXX came and there was still no update to my credit report I contacted XXXX again and was subsequently told that it takes 90 days from the date of the letter for them to update my credit report and that since my letter was dated XX/XX/XXXX that XX/XX/XXXX would constitute 90 days and that after that If I had not seen a change to my credit report by the beginning of XXXX I could contact model and that is when they would have to take action. When XXXX rolled around and there was still no change in My credit report, I contacted XXXX again and this time was told that all the prior information I had received again was incorrect and that it takes 90 business days for them to report the status to the credit bureaus. I have been given incorrect and false information every step of the way and it seems they keep changing the timeframe based on rules that I am not made privy to. However what I do know is that before my loan was forgiven it was reported accurately every month on the last day of the month like clockwork, yet for whatever reason now they are unable to report it for 4 months going on five and according to their new calculation 6 months, which seems unnecessarily long to manufacture an update that has been confirmed with several letters and clear statement showing I have a XXXX balance. I am complaining about the lack of valid information I have received, the inability of the servicer to practice due diligence and the long timeframe that basically is negating everything having a loan paid off should do, because if they are not updating it with the credit bureaus it still looks like I am carrying that debt.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OR)

I returned a rental car on XX/XX/22. On that date I was charged {$500.00}. I reported that as unauthorized. I was told in detail that they were going to investigation that charge ( told me to be on the look out for a letter from their company if they needed follow up information on the dispute, etc ). Nothing was done for months. I called again, they acted like I had never made a dispute and apparently started one for the first time. I told them there was no damage to the vehicle that I was liable for and if there was damage I had received no estimate for receipt for the damage. The credit card company, XXXX store credit card, said they investigated it and determined it was an appropriate charge. I followed up with the rental car company and they told me it was not authorized, kept in mistake, apologized and refunded the {$500.00} to our card. Based on this, it is clear to me that the credit card company lied when they said they investigated the charge and found it to be an appropriate charge. It appears they did nothing but rubber stamp the charge with no investigation.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an ID Theft Report. Please find the ATTACHED documents to assist in the removing and blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-09-26
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: EQUIFAX, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX credit bureaus shall block the reporting of 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 and it requires the following documents and statement to remove the disputed account on my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (AR)

I was notified that I had a student loan in the amount of {$1600.00}. I did not receive a student loan in XXXX of XXXX. A check stub, receipt, evidence of a successful payment going through into my account, there is nothing that shows proof of a transaction between me or any bank to transfer and deposit what was not transferred nor deposited into any account I have or had. If there is proof please show me. I was homeless and working in a motel in XXXX  of XXXX. I had not received anymore loans knowing I was graduating in XXXX of XXXX  I had no reasoning to take out a last student loan. The information is inaccurate, false and ruining my credit.
Consumer complaint received 2023-10-26
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. (MO)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-04-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

To Whom It May Concern : I am writing to file a complaint against [ these companies ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( b ). I believe that this creditor or collection agency has engaged in unfair and deceptive practices in their attempts to collect a debt that I dispute.

As per 15 USC 1692g ( b ), I have the right to dispute any and all alleged debts and request validation of the same. I have done so in writing to this creditor or collection agency, but they have failed to provide me with any validation of the alleged debt. Despite my repeated requests for validation, they have continued to contact me and demand payment. also FCRA 611 ( a ) ( 1 ) ( b ).

Moreover, I have checked my credit report and found that the information provided by this creditor or collection agency does not match with the information provided by other credit bureaus. This has caused significant damage to my credit score and has made it difficult for me to obtain credit in the future.

I am hereby requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against this creditor or collection agency for their violations of the FDCPA. I am also requesting that the CFPB ensure that my credit report accurately reflects my credit history and that any negative information provided by this creditor or collection agency be removed.

Thank you for your attention to this matter. I look forward to hearing from you soon.

Sincerely,
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (PA)

I submitted an error on my credit card account pursuant to the Electronic fund transfer act on XX/XX/2023 of the entire amount allegedly due. I didn't recieve confirmation until XX/XX/2023 that Navy Federal Credit union were reviewing it. I explained to them why my allegedly debt was in error. They ignored the EFTA by not crediting my account within 10 days and proceeded to take money out of my account to offset the alleged minimum balance due violation of the TILAct when in fact the entire balance including the minimum balance was in dispute and collection was supposed to stop as well as reporting my account delinquent when in fact it was subject to a dispute the moment they recieved my email pursuant to EFTA and the FDCPA. I contacted Navy Federal and advised them that they were violating the law and my rights by stealing my money and not folowing the law. I was told that they can take my personal funds out of my account because I ghave them a security interest. I never gave consent for them to take a security intertest they are trying to make me subject to their abusive and unlawful business practices. I never negotiated any terms to an agreement that they are trying to enforce upon me. They are guilty of abuse by taking unreasonable advantage of me through their unequal barganing power ( non-negotiable ) terms and conditions and my lack of understanding the conditions of this credit card product. Navy federal never gave me full disclosure nor was anything clear nor conspicous the security interest is stated in fine print on the second page of the unenforceable agreement they sent to me on XX/XX/2023. 
Navy Federal conducted a bad faith investigation into the error I sent to them by sending me on several different occasions conflicting information, no accounting evidence provided to substantiate their statements nor was verification given from any senior executive memeber in which I requested. I want to be made whole for Navy Federal abusive, deceptive and unfair business practices in violation of the FDCPA, EFTA, TILA, CFPAct which has caused me substantial injury in which I could not reasonable avoid myself.
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: EQUIFAX, INC. (NJ)

I can not accept your position of denying my identity theft claim. Who has the authority to judge whether I've truly been a victim or not? Your supposed power to make this decision lacks a solid foundation. I insist that you adhere to the proper legal procedures governing identity theft claims. To stress the seriousness of my case, I have provided you with an official report from a law enforcement agency, filed with a federal agency. ( My FTC report and Police Report. ) Let 's resolve this matter within the required 5-day timeframe. I urge your organization to acknowledge the gravity of my identity theft claim and take immediate, decisive action. I request a thorough investigation into the matter, the verification of my evidence, and the prompt removal of fraudulent accounts and transactions from my credit report. 

XXXX XXXX
Consumer complaint received 2023-09-26
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: ALLY FINANCIAL INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. ALLY FINCL XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (NC)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$990.00}.