davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (TX)

Discover Financial Services Credit Card Department XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for PDF Version of Credit Card Application Reference Number : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to request a PDF version of the credit card application form for Discover Financial Services. As an individual interested in applying for a credit card from your esteemed institution, I would greatly appreciate receiving the application in electronic format for my convenience. 

I understand that the traditional method of acquiring a physical application form is available, but due to personal circumstances and the convenience offered by digital platforms, I kindly request the provision of the PDF version. This will allow me to complete the application process efficiently and in a manner that aligns with my technological preferences. 

Please find enclosed all the necessary information to authenticate my request, including the reference number mentioned above. I assure you that this request is solely intended for personal use and I will treat the provided PDF application with the utmost confidentiality and responsibility. 

If possible, I kindly request that the PDF application be sent to the following email address : [ XXXX ]. This will allow me to access the document promptly and proceed with the application process. 

I would like to express my gratitude in advance for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your understanding and cooperation. I look forward to receiving the PDF version of the credit card application. 

Yours sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Lending Services LLC (NJ)

Dear Sir/Madam, I am facing financial hardships, and paying off my balance with your lending service is becoming increasingly difficult. I have explored all possible options to pay off my debts, but unfortunately, it has become evident that I can not meet my financial obligations now. 

I am considering filing for bankruptcy as a last resort to manage my financial situation. I understand that there are better situations for both of us. Still, I hope you will understand my predicament and work with me to find a mutually agreeable solution. 

Please suspend any collection activities until I can get my finances back on track. I am committed to working towards a resolution and will keep you informed of any changes in my financial situation. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sound Collection Services (WA)

While I was in the process of settling a dispute with my current landlord in XXXX 2017, I submitted an application on XXXX XXXX 2017 for tenancy to XXXX XXXX XXXX, who use sound screening. <P/>Sound screening obtained incorrect information from my landlord, for which I was denied tenancy at XXXX XXXX. <P/>The incorrect information is the record that I do n't pay rent on time, am ineligible for re-rent, and that in general I am a bad tenant. <P/>Later, once my current landlord and I reached an agreement, I resubmitted my application on XXXX XXXX 2017. Sound Screening failed to recognize the new information and I  again was denied tenancy at XXXX XXXX. <P/>I have a termination of tenancy agreement with my landlord, as well as a rental verification letter from my landlord - both of which are singed and notarized. <P/>This information needs to be corrected. <P/>Also I would like the incomplete information about my income verification be removed. The record states that Sound Screening was unable to contact and verify the information, so it should not be kept on record.
Consumer complaint received 2022-11-28
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. (LA)

I reached out to Equifax about an inaccurate XXXX collection on my credit report and they have not conducted a proper investigation. I wrote them on XX/XX/XXXX and they have not provided results and nothing on my report has changed. I have also sent a letter to the collector regarding this and nothing has been done.
Consumer complaint received 2023-11-14
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. (TX)

I am writing to express my dissatisfaction with the recent attempt to remove a late closed account from my credit history. 

I submitted a request to have a late closed account removed from my credit report. This account was [ briefly describe the nature of the account and the circumstances leading to its closure ]. I understand the importance of maintaining a positive credit history, and I took the initiative to rectify this matter promptly. 

To my disappointment, the first attempt to remove this late closed account appears to have been unsuccessful. I have thoroughly reviewed my credit report, and the derogatory information associated with the aforementioned account still persists. 

I am reaching out to seek clarification on why the initial attempt was unsuccessful and to request a detailed explanation of the steps taken to address this matter. Additionally, I would appreciate a clear timeline for the resolution of this issue. 

Maintaining a favorable credit history is crucial for my financial well-being, and the persistence of inaccurate or outdated information can have a significant impact on my creditworthiness. I trust that Credit Bureaus values its customers and is committed to ensuring the accuracy of the information reported to credit bureaus. I am asking for your help to remove this account immediately in my credit file : XXXX XXXX XXXX XXXX : {$5900.00}.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-04-20
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 (CT)

Dear PayPal Customer Support, I am writing this letter to express my dissatisfaction with the permanent limitation placed on my PayPal account. I strongly believe that this action was taken in error and without proper justification. As such, I am requesting that PayPal re-investigates my case and restores my account if possible. 

I have always been a law-abiding and responsible user of PayPal, and I have not violated any of the company 's policies or guidelines. Therefore, it came as a surprise to me when I received a notification informing me that my account had been permanently limited. 

I would like to reiterate that I have not engaged in any fraudulent or illegal activity on PayPal. I have always followed the company 's policies and have never been involved in any disputes or chargebacks. 

I understand that PayPal has its own protocols and procedures for dealing with account limitations, but I believe that in this case, a mistake may have been made. I respectfully request that PayPal re-evaluates my account and provides me with an explanation for the permanent limitation. 

If it is found that my account was indeed limited in error, I would appreciate it if my account could be fully restored. I have been a loyal and active customer of PayPal for several years, and it would be a great disappointment to lose my account due to an error. 

For your reference, the email address on my PayPal account is XXXX. 

Thank you for your attention to this matter. I hope to hear from you soon with an update on my account status. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-20
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. (DE)

Identity theft, and or Fraud has been done on the accounts below. I did not make these transactions pursuant 15 USC 1681c ( 2 ), 15USC 1681q ( 3 ) you or anyone of these companies did not have Permissible purpose ( 15USC1681b ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ). I have disputed things and with out investigations you say you have and its accurate. An investigation 15USC 1681a ( e ). That was not done.
Consumer complaint received 2018-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I was the cosigner for my grandson 's SallieMae Loans while he was attending XXXX University in XXXX from XX/XX/XXXX - XX/XX/XXXX. When I was ready to make the final loan payment, I telephoned SallieMae to find out the total owed ( with interest ) and exactly when I should make the payment to avoid any additional fees. I was told to wait until AFTER the Grace Period to make the payment. I followed their instructions and made the payment. A couple of weeks later, I checked my grandson 's account and I was shocked that they had added {$870.00} marked " Insurance. '' I called SallieMae to find out what this charge was about as I did NOT request " Insurance. '' They transferred me numerous times, to different departments and then said it was a Repayment Fee. Each time I called thereafter, I got a different answer, it was " Insurance '' and then " Repayment Fee '' back and forth. 

Evidently, SallieMae representatives purposely gave me the wrong information by telling me to pay AFTER the grace period. I feel they did this viciously and someone should monitor the information the telephone representatives are giving to the students and cosigners.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: AXOS FINANCIAL, INC. (HI)

I contacted Axos Bank on XX/XX/2023 through their secure message system that I wanted to close my account. On XX/XX/2023 they responded through the secure message system that I will have to pay a {$10.00} dollar " official check fee. '' I do not know what this fee is and I do not recall at the opening of this account that this fee was explained to me. 

I just want to close the account.
Consumer complaint received 2023-11-14
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: DailyPay, Inc (WY)

You work and you get to take out some money from your checks. I just switched to nights so daily pay takes 2 days. 
I requested a pay out Thursday, and I was supposed to get another one Friday. Friday we usually get paid regular checks but that has issues this weekend. I also worked the weekend. They did not give me what I was supposed to receive and the info they have available makes no sense, now they say I owe them {$180.00}?? Their accounting is horrible and they changed things so you can't go back. 

The company is Daily Pay by XXXX XXXX. I think they need an audit. I complained they are asking for to much with no response and I feel I'm not the only one, just being paid low wages I think they assume the employees are XXXX and will take their financial abuse ..how do you fix XXXX who control your money who have no way for you to talk to them.
Consumer complaint received 2016-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I have a Regions Bank checking account. I was charged approximately {$400.00} in overdraft fees for purchases, some quite small. Regions Bank never alerted me that my account had issues. 

The Regions Bank representatives I contactd in Alabama -- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX -- refused to give me the address of Regions Corporate office so that I could write a letter. XXXX XXXX refused to even give me his title.
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

My phone was stolen and XXXX was fraudulently accessed. XXXX transactions were fraudulently made. XXXX for {$570.00} and XXXX for {$100.00}. I provided all details and offered to file a police report in the city of XXXX Il where I believed I lost my phone. Bank told me it was unnecessary and my claim would be honored. Unfortunately, after making me close my account and wait for new cards I was told my claim in fact would not be honored. Ive never stolen or filed a bank claim in my life. Very empty feeling realizing a bank I have banked with for years did not have my back. In the end, US Bank wouldnt even provide me details. I was just told that XXXX offers very little protection and that the transactions originated from my phone.
Consumer complaint received 2023-11-14
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE items XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (AZ)

I purchased a net spend card putting XXXX on it to be told I cant register it that my money would be send my by check. I had a net spend card in the past that was stolen and used which I never got the money back on they just closed my XXXX taking my money.
Consumer complaint received 2023-11-14
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. (IN)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXXXXXX XXXX reporting negative reporting on my credit reports despite XXXX police report XXXX and other evidence of the unauthorized fraudulent transactions and charges illegal unauthorized fraudulent transactions and charges that XXXX XXXX XXXX allowed fraudulent charges and fraudulent transactions and charges repeatedly throughout the year XXXX
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (TN)

They are calling for someone else. I told them repeatedly that I was not the person they are trying to reach and collect a debt from. I told them not to call my phone and to be placed on the do not call list. They told me my number would be removed from the list but they are still calling my phone. 

Credit Corp Solution XXXX
Consumer complaint received 2023-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2023 and I recently contacted XXXX XXXX XXXX XXXX XXXX after receiving a letter in the mail stating that I owed them a balance. I contacted my insurance to verify. My insurance company stated that there were no claims attached to me or my dependents names. You stated that I owed {$1.00}, XXXX and {$1.00}, XXXX. 

I called and requested more information to verify that the claim was accurate, and the debt is mine. As I was speaking to the agent, I asked a particular question, and he ended the call immediately. I called back and then there was no answer. The number I called was XXXX, ( XXXX XXXX, XXXX  XXXX ). 

I have no remembrance of the original creditor. So, to investigate this debt, I will need more information such as : The date of service Itemized receipt stating what service was performed Billing Receipt Healthcare Provider The type of insurance that was used this way I could contact my insurance company to match the codes and cost of service I work at the largest hospital in my state. I would not go to an unknown hospital for treatment. I have insurance to use for treatment. There is no record of payment or charges for the original creditor by my insurance for the dates. 

As a consumer, I have the right to demand proof of ownership and verification of the services rendered. Do I need to provide the US Code? I am entitled to this information in order to ensure that I am not being overcharged and that the services being billed to me were actually performed. 

Thank you for your time and enjoy life.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXX reporting negative reporting on my credit reports despite XXXX  police report XXXX and other evidence of the unauthorized fraudulent transactions and charges illegal unauthorized fraudulent transactions and charges that XXXX XXXXXXXX XXXX allowed fraudulent charges and fraudulent transactions and charges repeatedly throughout the year XXXX
Consumer complaint received 2023-11-14
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-04-20
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. (MA)

I sent a letter to remove address, inquiries and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items or information not later than 4 business days. Please remove the following items : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.