davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
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 (IA)

Dear PayPal Customer Support Team, I am writing this complaint to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake, as I have not violated any of PayPal 's policies. 

I understand that PayPal has strict policies in place to ensure the safety and security of its users. However, I have always used my account in accordance with these policies and have never engaged in any fraudulent or suspicious activities. Therefore, I am confident that there has been a misunderstanding, and my account has been limited in error. 

I would like to kindly request that PayPal re-investigates my case and restores my account if possible. I am willing to provide any additional information or documentation that may assist in this process. 

I rely on my PayPal account for various personal and business transactions, and its permanent limitation has caused significant inconvenience and distress. Therefore, I respectfully ask that this matter be addressed with urgency. 

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

Thank you for your attention to this matter, and I look forward to a positive resolution soon. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late ( they are different days by all the credit bureaus so i will attach a picture of it ) and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (NY)

Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late in XX/XX/2018 and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : Social Security NumberXXXX I have recently been informed that there is negative information reported by Bankruptcy in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see three entry listings of Dismissed Bankruptcy as follows : XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX  XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Bankruptcy and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Further, I DO NOT CONSENT to any automatic verification procedures and/or processes that your agency may use.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2019-06-03
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (SC)

This has been an ongoing issue with Venmo. They were funds deposited into my Venmo account from car insurance settlement. My Venmo account experienced fraud and the charges were disputed and a balance of {$4000.00} was on my Venmo account. It was unable to be transferred electronically either to my debit card or checking account. I requested in XXXX to have the account closed and a check issued. This was supposedly done. I made a complaint that time and was advised of the details information regarding everything that happened on the account. I was assured that a check would be issued or was issued. I should say After 4 1/2 weeks no check up again making a complaint to the cpfb I received the respond from the executive office. At that time, I was told that in fact, the check had not going out and that they had spoken to the individuals at Venmo and advised a check was sent. My initial complaint was filed through my brother XXXX XXXX, who received a response back that of course they can not help him because he was not the customer of record. Well, a check did arrive about 10 days later and XXXX and behold. It was made out to XXXX XXXX. it is impossible for me to cash or deposit this check, my brother is unavailable as he is at XXXX XXXX in basic training now. I even set up a PayPal account and try to cash it through them and have it added to my PayPal account. I offered either for immediate cashing or 10 day wait. In both instances, the check was denied. How can PayPal not honor a check that they wrote. It is incredibly frustrating incredibly unbelievable and completely. Unacceptable.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Porania, LLC (GA)

Bankruptcy filed XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I wrote/Call a letter to the courthouse of Georgia To verify if they report Bankruptcy to credit reporting agencies and my Feedback was they do not report to Reporting Agencies. 
I would like to know how the credit Agencies Soecify my Bankruotcy as Accurate.they never performed a fair investigation according to 15USC1681A 15USC 1681 section 603 ( 3 ) ( E ) state the consumer report portion thereof in which information on a consumer characterized general reputation of personal characteristic or mode of living is obtain through personal interviews Infirmation should not include specific information on credit report obtain directly from the consumer or from consumer reporting agencies when such information was obtained directly from the creditor My rights was violated by given rights under US c 1681A According to USC 1681sectuon 602A stated I have a right to privacy
Consumer complaint received 2023-05-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (NY)

The XXXX XXXX XXXX XXXX and XXXX violated FDCPA rules 1692g and 1692e. They are attempting to enforce a debt that expired years ago by consenting to resume enforcement on a fraudulent claim. They provided false information as to whom they are representing. The Foreclosure Abuse Prevention Act signed XX/XX/XXXX was made effective immediately in all pending actions where Judgment of Foreclosure and Sale has not been enforced. Pursuant to the new amendment in law CPLR 205-a this creditor can not lawfully proceed with collection on this debt but chooses to do so anyway. Additionally his client is an assignee and this creditor failed to comply with the Certificate of Merit to confirm this debt is valid. This action started in XXXX and dismissed in XXXX pursuant to CPLR 3216 - Failure to Prosecute. They refused to comply with the XXXX of XXXX. I can no longer trust the courts. They allowed a Shadow Docket Case by the XXXX firm to be restored and when I tried to appeal the paperwork went missing on that entire motion. Please read the rest of my statement as attached.
Consumer complaint received 2023-07-14
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. (NM)

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.

The letters are stated with items and issues.

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 2023-08-04
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
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)

Ive requested XXXX equifax and XXXX to remove accounts that I wasnt aware of, theres XXXX credit cards and collection on my credit report that Im not aware of. Ive already put in a dispute
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (IL)

A XXXX credit card was opened in my name, and a charge of over {$300.00}. Was charged to this card.I call the chase and spoke with 5 different agents of chase overseas and language barrier.To boot I have XXXX XXXX.adding to the frustration is that I told them this was a fraudulent card and they all asked for the card number.Never received a card
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's Summit, MO XXXX XXXX Formal declaration dated : XX/XX/XXXX Formal Notice : Refusal to pay a debt. 
Reason : Identity Theft, Account isn't mine. 
Notice : Under 15 USC 1692cc Regarding Accounts : # XXXX ( Auto loan ) ( XXXX ) and any other associated account. 

Dear XXXX, I, XXXX XXXX XXXX XXXX declare my refusal to pay, exercising my right under US law XXXX specifically 15 USC 1692cc . Despite multiple notifications and formal declarations, XXXX XXXX Bank XXXX XXXX persistently reports fraudulent account activities associated with my identity. Accounts starting with numbers # XXXX, erroneously linked to me, remain on your records despite originating in XXXX. I discovered these discrepancies in XX/XX/XXXX. 

I demand an immediate cessation of all communications and reporting regarding these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ), particularly violations under sections 1681 i a-5 and 1681 e-b. Furthermore, I remind you of the provisions outlined in 15 USC 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which mandate the termination of communication upon notification of refusal to pay a debt, including reporting to any credit bureaus. 

Additionally, I implore XXXX XXXX Bank XXXX XXXX to comply with 15 U.S.C. 1681c-2 by implementing measures to block information resulting from identity theft. Furthermore, an examination of late payments under 15 U.S.C. 1681a ( 2 ) ( 1 ) exclusions and verification of permissible purposes under 15 U.S.C. 1681b are urgently requested. 

Failure to adhere to these demands will result in further legal action. Please acknowledge receipt of this notice promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
Kansas XXXX MO XXXX Email : XXXX XXXX
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

XXXX XXXX  kept sending me offers for loans which was then transferred to Net Credit. The representative with Net Credit advised me that the cash advance would only be a one time fee of {$300.00}. Since then I have made 3 payments and of {$230.00} twice a month and half goes towards fees. I feel like this is predatory lending. I feel de wives by XXXX bank.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

We had a mortgage with Wells Fargo and the home was foreclosed on in 2013. We were actively trying to complete a loan modification. 

We believe we should be eligible for a payment from the Wells Fargo settlement but have not been contacted or received anything. 

We contacted a Wells Fargo customer representative at XXXX and were told Wells Fargo is reaching out to customers and they were unable ( or unwilling ) to provide any additional information. 

Therefore, we are submitting a complaint to the CFPB.
Consumer complaint received 2024-04-12
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX  XXXX XXXX
Consumer complaint received 2024-04-12
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed 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 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 2024-02-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC (WA)

Escrow requested payoff. The send the wrong pre-payment penalty amount. XXXX equal to 4 %. It should be 1 %. XXXX. 

Have been put on hold for hours many times.

When asked to speak to manager they dropped the call.

Caused a full day of XXXX
Consumer complaint received 2024-04-12
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)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these ITEMS ( A ). It is unacceptable to list these ITEMS as information without verifying them within the legally mandated time frame. I require an investigation, a deletion, or an removal of the following erroneous information on my credit report : 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 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My privacy rights as a consumer are being violated by unwarranted credit reporting that is optional pursuant to the Fair Credit Reporting Act. TransUnion and XXXX is reporting, selling, and communicating false debt without my consent. My credit report is inaccurate and is causing the consumer significant harm. I demanded several times that TransUnion and XXXX send the description of their reinvestigation of a disputed account that they said was a verified account. These charge off XXXX XXXX accounts are not mine. They refuse to send me proof of who verified these alleged accounts, who they spoke with, and the documents used to verify alleged debt. Credit reporting is not mandatory by law, and TRANSUNION & XXXX have my information without my consent and have not received permission from myself the consumer. Both companies are showing transactional history between consumer and alleged creditor in which all transactional history my be excluded from my report.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

CFPB Complaint : Capital One Charge-Off Without Proper Notice Please note : This is a template. You may need to modify it to fit your specific situation. 
I. Introduction I am filing a complaint against Capital One for violation of my rights regaring a debt charge-off. I was unaware of thi debt and was not given a fair oportunity to dispute the information before it was charged off. 
II. Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX XXXX I XXXX XXXX XXXX. 

Last 4 Digits of Social Security Number ( XXXX ) : Account Number ( # XXXX ) : III. Description of Complaint I recently discovered that Capital One charged off a debt on my account. I was not previously notified of this debt or given the opportunity to dispute its validity. 
If Capital One believes they sent a notification, add the following sentence : If Capital One claims to have sent a notification regarding this debt, I request a copy of the certified receipt with my signature as proof of delivery. 
Due to the lack of proper notification, I have been unfairly disadvantaged in resolving this matter. 
IV. Request for Relief I request that the CFPB investigate this matter and ensure that Capital One : Provides documented proof of attempted notification regarding the debt. 
If proper notification can not be proven, rescinds the charge-off and allows me to dispute the debt. 
Provides clear information on the steps to resolve this issue. 
V. Additional Information I am committed to resolving this issue fairly and appreciate the CFPB 's assistance in this matter. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX I XXXX XXXX XXXX. 
XXXX XXXX, Louisiana XXXX