davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (SC)

This company has failed in the obligation of permissible purpose 15 U.S.C. 1681b.

They have furnished my account without the written insturctions of whom the consumer relates.

I did not give them permissible purpose to furnish my account nonpublic personal information they have invaded my privacy and had no regard for the privacy rule 15 U.S.C. 6801
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

Dear Sir/Madam, I am writing to lodge a formal complaint against PayPal regarding the limitation of my account without a clear explanation, which has caused significant financial hardship. 

My PayPal account has been restricted, and despite providing all necessary tracking numbers for my orders, I have been informed that my funds will be held for XXXX days. I assure you that I have not engaged in any fraudulent activities. The limitation on my account has left me unable to access my funds, which I urgently need to cover XXXX XXXX XXXX XXXX XXXX 

I have attempted to resolve this issue directly with PayPal but have not received a satisfactory resolution. The prolonged hold on my funds is causing severe financial strain, and I am unable to wait XXXX months for access to my money. 

I am requesting the CFPBs assistance in addressing this issue with PayPal to expedite the release of my funds and restore my account. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

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 2024-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I just received an email from paypal stating my dispute was denied and that the the money that was deposited into my account is going to be withdrawn on the XXXX XXXX XXXX. This is MY money that was taken out of MY account for items I never received. They can not take my money back without giving me any product. This will be a police report, I promise you. My XXXX  order was cancelled ( I paid through paypal ), and I was never refunded until I literally begged for the funds that paypal is planning on taking back on the XXXX. I can and WILL take this to court for more than its worth. You've taken my time, My bills are past due, taking food out of my kids mouths. I'm sick of dealing with this. Don't use paypal to make any purchases.
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
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: Experian Information Solutions Inc. (NC)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Incorrect Name - XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 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 or 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 data is inaccurate.
Consumer complaint received 2023-04-28
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (MN)

This is in regards to FTC Report Number XXXX which I just filed with the FTC and is related to CFPB complaint # XXXX which was filed with the CFPB on XXXX against XXXX XXXX and is still open. 

I'm going to attach my entire complaint in attachment. This Loan is directly related to my current complaint with XXXX XXXX  that is currently open with CFPB # XXXX. This loan was a direct deposit into fraudulent XXXX XXXX account XXXX which I reported in my Police Report on XXXX XXXX and at the time I knew very little about my ID Theft. You need to understand CFPB complaint # XXXX in order to link these 2 ID Theft together and understand it. Once again I have provided all the documentation to support my claim which the CFPB has on file b/c I attached it to CFPB complaint # XXXX
Consumer complaint received 2024-01-28
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (CA)

contacted by Transworld Systems Inc XXXX XXXX XXXX XXXX, De XXXX about a XXXX XXXX Account XXXX that the account was paid in full they also sent me a bill Saying my wife XXXX XXXX XXXX owed XXXX this account was is not even XXXX  days past due and they started up collections I have called XXXX XXXX they told us actually have a XXXX credit on our old cell account. these XXXX a well know under handed collection agency has put illegal negative report on our credit history..
Consumer complaint received 2024-04-03
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. (MS)

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.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Hello CFPB, I had opened a Personal Checking account with Citi Bank in Summer of XXXX. 
I funded the Citi Bank with a total of {$33000.00} in 3 separate transactions below from my originating bank, XXXX. I have also screenshotted these 3 transactions from my originating bank. 

XX/XX/XXXX - {$25000.00} wired via XXXX XX/XX/XXXX - {$7300.00} transferred XX/XX/XXXX - {$1000.00} transferred I was notified in the Summer that Citi Bank had shut down my account and that I would receive a check for the balance on my account. On XX/XX/XXXX, I received a check for {$1000.00} with a memo saying Closeout Disbursement. 

I have been contacting Citi Bank 's support and fraud line for weeks to try to recover my remaining {$32000.00} in funds. Every time I speak with them, they tell me that because the account was closed they do not have any information on the balance of the account and information on how I can get the remaining {$32000.00}. 
I was told they would contact the back office and provide me with an update within 48 hours, however that never happened. 

Citi also recommended me to go to a branch, however Citi doesn't operate any branches in Texas, which is where I live. 

I would really like assistance in recovering my remaining {$32000.00} in funds, as it is a large balance. I appreciate yours and Citi 's assistance with this matter. 

Many Thanks, XXXX
Consumer complaint received 2017-02-14
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Enterprise Systems, Inc. (PR)

Received collection call from debt collection company called National Enterprise Systems, on XXXX XXXX, 2017 at XXXX XXXX in XXXX XXXX, number that called XXXX XXXX ) XXXX, regarding student loan private loan debt, demanded that I give them an answer regarding my solution to pay off the debt within an hour, demanded that I had to call my cosigner ask the cosigner to put the debt in a credit card to get rid of the debt and get rid of them, pressured me to call back within an hour with a solution, was insensitive to my situation.
Consumer complaint received 2024-01-27
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (TX)

My adp Wisley prepaid debit account was accessed unauthorized via my phone. A transfer of {$1400.00} was sent to unknown debit card via the wisely banking app. I called my bank and filed a fraud dispute on XX/XX/year> which was closed and no credit was issued. I was on the phone with the bank when the transfer happened. Also while on the phone the bank was aware of 2 fraudulent charges that took place minutes before the transfer of {$1400.00}. They have told me all I can do is request documentation supporting their decision. I lost my paycheck due to this.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SIMMONS FIRST NATIONAL CORPORATION (KY)

Reported me for bad debt I didn't know about. They never called me I had to find out on my own why my credit score dropped. I paid promptly when I found out. My XXXX XXXX went from XXXX to XXXX. All they had to do was let me know. Do you think a man with this score doesn't pay his bills.
Consumer complaint received 2016-10-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRSTBANK PUERTO RICO (PR)

Its been more than 4 years that we have requested unsuccessfully access to the table that the First Bank used to compute the prevailing maximum rate for the conventional mortgage from XX/XX/XXXX to XX/XX/XXXX and also we have send First Bank a certified letter on XX/XX/XXXX describing in details why we are requesting that table. The certified letter was received but until this day has n't been answer.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (WI)

I received a welcome email from Chime Bank on XX/XX/2023. I have never been on Chimes website. The next day I got an email saying they shipped a chime XXXX debit card to my previous address! I did NOT open an account with chime and did NOT approve them sending a card to an old address! I called their support number and they said there was an account attached to my email and said they would remove it and this would not happen again. Then I got an email saying they changed my email address on the account to the same email with XXXX added to the end. This is not what I wanted. I asked them to DELETE the chime account and put a fraud alert on my email.
Consumer complaint received 2016-09-26
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PR)

I have an agreement with Jefferson Capital ( represented in XXXX XXXX by XXXX XXXX Consumer Debt Management ) to complete the payment of a debt. From XX/XX/XXXX this company wo n't accept the payment and today this company call me back ( XXXX ) to say that the agreement is not valid and I will pay another amount. Eliminating the agreement without any valid reason. I have all evidence of payments and agreement.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 16 CFR 313.7 also states that I have a right to privacy. 

The existence of a derogatory rating on my account is causing me great harm. I am concerned about the impact it is having on my credit. It has caused me to be denied for several extensions of credit and made it difficult for me to attain loans as well. This has become a financial and emotional burden. In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CHERRY TECHNOLOGIES INC. (TN)

Under 15 USC 1681 section 602 of the FCRA, I am entitled to the right to privacy regarding my credit information. The inaccurate late payment entry on my credit report has not only damaged my credit score but has also compromised my financial privacy by revealing false information about my payment history. 

Furthermore, according to 15 USC 1681 section 604a section 2, a consumer reporting agency is prohibited from furnishing an account without my written instructions. In this case, Cherry Technologies reported a late payment without my consent or valid reason, which is a clear violation of this provision. 

Additionally, under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if it has been made on time. I want to emphasize that I had indeed made the payment on time, and there were no legitimate grounds for Cherry Technologies to categorize it as late.
Consumer complaint received 2022-01-07
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (NE)

Mortgage serviced by roundpoint. Mortgage company XXXX XXXX House appraised on XX/XX/XXXXXXXX  for {$470000.00} Purchased on XX/XX/XXXXXXXX  for {$460000.00} Roundpoint list value of home at {$470000.00} Current remaining amount on mortgage {$360000.00} LTV 77.8 % ( based on mortgage listed value and appraised value ) Called roundpoint to confirm amount of mortgage needed to be paid down to remove PMI. was on call over an hour before giving up and hanging up. Told they were unable to provide that amount. Then provided an amount that was >30 % total of mortgage. Found a calculator on their website and discussed with individual and she continued to insist must pay >30 %. Calculated myself 20 % payoff and 22 % payoff and paid off this amount as listed above. I have also paid in full mortgage every month. Submitted form for PMI removal. XXXX XXXX denied removal and requested pay for house appraisal. House appraised less than 120 days ago and have met 77.8 % LTV of value. Again called roundpoint to request removal. They stated I must pay an additional {$63000.00} ( 35 % of original valuation ) to be removed or pay for the house to be reappraised. They reported this was directly from XXXX XXXX  and there was nothing they could do about it. Were unable to answer why the 20 % payment and 22 % payment as laid out by their documents as well as the HomeOwners Protection Act of 1998 respectively was not being followed. Request removal of PMI for loan reaching <78 % LTV
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open options Account # : XXXX CAINE & WEINER COMPA Open options Account # : XXXX XXXX5 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. You MUST provide me a WET INK signature or I'm forced to take legal action against a company that falsely attempting to collect a debt I don't owe them.
Consumer complaint received 2023-04-11
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. (GA)

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MI)

On or about XX/XX/XXXX I applied for 2 American Express business checking accounts which American Express opened 2 accounts listed as XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX American Express fraud department closed my accounts without notice and blocked me from online access. I did not receive any notice from American Express nor did they provide me a reason for the closing of my accounts. When I learned the accounts were closed I tried reaching out to American Express for 2 months to get my business banking records in order to do my taxes for my business and American Express has refused to provide me with the statement necessary to handle my business affairs. This is illegal as American Express is required under federal banking laws to maintain an accurate account of deposits.