davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IA)

I have a debt with Transworld Systems on my credit report. I reported it 3 times via XXXX, and it was not removed, despite never receiving a debt validation letter. I did mail one to XXXX XXXX XXXX XXXX Delaware on XX/XX/23 I reached out via email with a settlement offer to Transworld 's contact us on their website. ( XXXX XXXX XXXX  ) I specifically will only write via email to make sure everyone is held accountable for what they say. Within a minute or two of me sending off the email, I received a call from XXXX XXXX ( XXXX XXXX XXXX  ) at XXXX. I have requested a debt validation letter, also mailed on XX/XX/23 to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA. 
I thought that the timing of the phone call was suspicious, so I did some digging and XXXX XXXX is a DBA ( Doing Business As ) for Transworld! So, I have twice requested a debt validation letter for the same debt and not been provided one. It has been well over the 30 days. This should be removed from my report and it has not.
Consumer complaint received 2023-07-05
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 XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to my 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.
Consumer complaint received 2023-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (NJ)

XX/XX/2022 they collections account was a result of identity theft. Both original creditor, XXXX XXXX, and collection agency, XXXX XXXX XXXX XXXX XXXX, both closed my account with non-monetary relief after my complaint for the collection account in the amount of {$800.00}. It is now reporting to the credit bureaus with a new collection agency, Credit System International.
Consumer complaint received 2024-01-31
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 (MO)

I trust this message finds you well. I am writing to appeal the permanent limitation imposed on my PayPal account, registered under the email address XXXX. I firmly believe this restriction has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a dedicated PayPal user for an extended period and have consistently complied with PayPal 's terms and conditions. Maintaining a positive and reliable relationship with PayPal is important to me, and I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough review of my case, carefully considering the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient transactions, as I have done in the past. 

I sincerely appreciate your prompt attention to this matter and kindly request that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (FL)

I have a hard inquiry into my credit from Barclays since XXXX. I understand that it can only remain on my credit for 2 years. This information continues to appear on my credit report in XXXX. They will expire and must be removed. Even though I wrote to Barclays, they have not taken action regarding this.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (SC)

XX/XX/XXXX I ask for {$59000.00} and the teller needed the manager. The manager said I have pending deposits and she can't give me that amount. I said that's cool can you let me receive what's account for. The teller, manager went inside banker office for 10-15 min. They came back and manager stated she can give me collective balance and also she mentioned XXXX XXXX the XXXX XXXX branch know you very well and if you have any issues you can speak with XXXX. I asked her what's the collective balance and she said {$210.00} in business. I asked what about personal and she said {$35000.00}. I told her cut the check for {$35000.00} and she said no. It hurt me to the heart that I knew I had more money in my account if the pending deposits wasn't available. The account had {$73000.00} total as well. She called security and security called the police on me. I just wanted explanation on why I can't get my money out and clarification on what collective balance is.
Consumer complaint received 2023-05-01
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. (OR)

Transunion and XXXX are still reporting too collection accounts XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX could not verify and has already deleted from my credit report
Consumer complaint received 2024-01-31
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. (MO)

Experian thinks by flooding the system with XXXX ridiculous explanations that have absolutely nothing to do with the problem, THIS PREDATORY COMPANY STILL WORKING ON THIS ISSUE WHILE CLOSING XXXX OTHERS THAT ARE THE SAME PROBLEM AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I deposited a check for {$1500.00} to my Huntington checking account on XX/XX/2024. Shortly after, they closed my account, and now I have no access to my account or funds. The check cleared and is legitimate. I have no access to my money, and now my funds are being held hostage, even the funds that existed in the account before the deposit. The month is about to end and I have bills to pay. I tried to have them move my funds to a different bank, but they have refused.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (AZ)

I have tried to call several times to settle the debt, but I have had no luck. I want to dispute the amount because it is not correct. I have tried reaching out to the number that is provided online and I always get a debt settling agency for your all debts I can never get ahold of the collections side.
Consumer complaint received 2024-01-31
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. (MO)

Lies lies lies is all this predatory company does closed this account with another lie but it's coming to a head AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (OK)

In XXXX XXXX XXXX we received the escrow year projection for our mortgage. For some reason the PMI had jumped from XXXX to XXXX per month for no reason. We connected the mortgage company to have the PMI removed off the account. A written request was then sent in. The mortgage company then said we would have to wait til the balance was below 78 % of the value which the home was already at or we can pay XXXX for a property value evaluation. So, we paid the XXXX , Never got the evaluation from the company that did it. They said we had to get it from the mortgage company. On XX/XX/XXXX we finally got a letter saying the pmi would be removed on the XXXX day of the next month. Which should have been XX/XX/XXXX. But we where still charge ever month after that and the new escrow statement shows it for all of XXXX. I have enclosed the statement and the escrow statement as well. 
The house was bought on XX/XX/XXXX for XXXX and the loan was for XXXX So at 78 % would have been at XXXX in XX/XX/XXXX the balance was XXXX They PMI should have been dropped then, but since the time of the load reaching 78 % will have still been charged the PMI.
Consumer complaint received 2023-05-01
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. (AZ)

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights with account XXXX. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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. This company has violated these terms for the following mont
hs. 
XXXX and XXXX and XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX  I do not want to have this erroneous information in my report. It is an abuse that I am having bad credit because of this.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (TN)

I am writing to file a formal complaint against Comenity Bank due to a series of distressing incidents related to my XXXX XXXX account. My experience with Comenity Bank has been frustrating and has raised significant concerns about the handling of customer accounts. 

On XX/XX/2024, I received a notification from Comenity Bank, claiming potential security concerns and irregular card transactions associated with my XXXX XXXX account. I must emphasize that I do not hold a credit card with Comenity ; my interaction with the bank is solely through the XXXX XXXX account. 

The timing of this security concern notification, coming immediately after a dispute with one of Comenity Bank 's customer care representatives, raises serious questions about the integrity of their operations. 

Furthermore, my request for a confirmation letter, indicating that I have only one account with Comenity Bank, has been unfulfilled since XX/XX/2024. This letter is crucial for the closing of my house, and the delay caused by Comenity Bank 's inaction puts my homeownership at significant risk. 

The response from XXXX XXXX on XX/XX/2024, indicated a 30-day investigation period for the security concern and will not send me the letter until the investigation is completed, which is unacceptable, especially considering its direct impact on my mortgage closing. 

I am seeking your assistance in addressing the following issues : Urgent issuance of the requested confirmation letter, essential for the timely closing of my house. 

Transparent communication of the findings related to the security concern with my XXXX XXXX account. 

Resolution of the reporting discrepancy to XXXX, which falsely indicates that I have two Comenity accounts. 

The lack of prompt action from Comenity Bank not only jeopardizes my homeownership but also places an undue burden on my financial well-being. I kindly request your intervention in ensuring a swift and fair resolution to these matters.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Request for Investigation into Multiple Hard Inquiries on XXXX Report Dear XXXX, I am writing to bring to your attention a concerning discrepancy I have discovered on my XXXX credit report regarding multiple hard inquiries resulting from a car loan application made on XX/XX/2023. 

On XX/XX/2023, I applied for a car loan with Truliant to finance the purchase of a vehicle. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), multiple hard inquiries resulting from loan applications within a short timeframe should be treated as a single inquiry if they fall within 14 days. 

Upon reviewing my XXXX credit report, I noticed that there are eight separate hard inquiries listed on the same day, XX/XX/2023, as a result of my car loan application. However, according to the FCRA guidelines, these inquiries should have been consolidated and counted as a single hard inquiry. 

This discrepancy has negatively impacted my credit score and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit activity, under federal regulations. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report. I am enclosing a copy of my XXXX credit report for your reference. 

If you need any more information or documentation to help with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate reporting practices are upheld. 

Sincerely, XXXX XXXX Please remove the following XXXX of XXXX - Dated XXXX XXXX XXXX - Dated XXXXXXXX XXXX XXXX - Dated XXXXXXXX XXXX XXXX Dated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Justice Finance Company (TX)

Contact Information FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
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 Personal Statement Numerous unauthorized inquiries and alot attempts to aplly for various services inder my name. I observed a significant increase in suspicious activities associated with my personal information including financial products Additional my Old XXXX  XXXXXXXX XXXX i cant even get back in. had been compromised and I currently locked out before thta XXXX XXXX said i had filed i told them no thats not me. Unable to crucial information. im take. taken necessary authorities amd implement security measures. Effect data breach. And so many more others.. appropriate actions to mitigate future damage Tax Fraud Date that I discovered it XX/XX/XXXX Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.identitytheft.gov Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your https : //www.identitytheft.gov/ #/
Consumer complaint received 2024-01-31
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: LEXISNEXIS (FL)

ON XXXX XXXX, XXXX I CALL LEXIS NEXIS I SPOKE WITH A XXXX  LADY NAME XXXX  ABOUT MY ACCURAINT REPORT I RECIEVED, ON THE 2 PAGE IT SAID YES BANKRUPTCY XXXX EXPLAINED TO ME THAT IT WAS TALKING ABOUT A XXXX BANKRUPTCY XXXX  XXXX AND SHE SAID THAT SHOULD NOT BE IN MY FILE AFTER 10 YEARS AND THIS IS YEAR XXXX I CAN'T UNDERSTAND WHY THEY HAVE A XXXX XXXX  XXXX STILL IN MY COMSUMER FILE PLEASE INVESTIGATE THIS AND REMOVE THIS FROM MY FILE ASAP THIS IS HENDERING ME FROM GETTING APPROVE FOR MEDICAL INSURANCE THAT I NEED THIS IS VIOLATING MY RIGHTS 15USC1681
Consumer complaint received 2023-10-30
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)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 


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 2024-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (AZ)

When Venmo started charging customers to transfer money approximately 2 years ago, I emailed to complain about it to Venmo and requested my account to be terminated and to delete my information from their servers. I was never contacted back. I wrote them again after getting emails on a daily basis that someone was trying to access my account and I should change the password. To this day, when I go on Venmo.com to delete my account it tells me Im not allowed to close the account. Nobody from Venmo will return my emails or calls and now I believe employees at Venmo are harassing me on purpose because of the emails Ive sent them. I am a XXXX  veteran with XXXX XXXXXXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for this country. Im starting to think my services are now needed to be used against any greedy person or corporation that thinks they can harass someone like me. I am writing to report this because they wont adhere to my simple demand to close my account and stop harassing me with automated emails. If I cant rely on the government I protected to do its job Ill have to start taking measure into my own hands against Venmo. Im very good at XXXX. 

Thanks!
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I believe that I should qualify for the XXXX as I have made over 120 eligible payments. I submitted all of the required documents ; however, XXXX did not count many years of my eligible work. The loans were recently transferred to Mohela, and I continually try to contact them to ask why all of my payments are not being shown but I can never get a hold of anyone. 

Thank you, XXXX
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC (CA)

Hello, I'm experiencing identify theft activities. I first found out was back in XX/XX/2023 but I believe it started happening in XXXX and XX/XX/2023. I found out because I received an email notification from XXXX XXXX that I have several inquires request on my credit report and then starting to receive huge amount of letters mail to my home indicating I have applied credit cards, auto loans accounts with different companies. Luckily no fraud credit card accounts has been opened approved. I also received an auto loan insurance billing invoice from Westlake Financial Service to me and a dealership letter from XXXX XXXX that I purchase a vehicle. Those were not authorized by me. Thank You XXXX XXXX