davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - XX/XX/year>
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I, XXXX XXXX XXXX, have been a victim of identity theft due to the Louisiana Data Breach ; as a Louisiana resident, all of my personal information was impacted and exposed, including my name, social, dob, and more. This Data Breach made global news. The inquiries below are not mine ; they result from identity theft. As this is not mine, nor do I account with these companies. My credit report needs to reflect more accurate information and remove inaccurate inquiries. 

Identity theft Inquires 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
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I owed a debt when I went to college, I plan to pay the debt but I recently was laid off. I wish to contact to change the terms of my payment plan but I can not get a hold of anyone at Nelnet. Mygreatlakes at least was responsive.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA 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 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 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-10-29
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 (IL)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been enacted in error and request a thorough re-investigation of my case. 

First and foremost, I want to emphasize that I have always been committed to adhering to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I value my PayPal account and the convenience it offers for my online transactions, and I have taken all necessary precautions to ensure its proper use. 

Considering the gravity of this situation, I kindly request that PayPal re-evaluates the circumstances leading to the permanent limitation of my account. I believe that a thorough review will confirm my compliance with your policies and demonstrate that this limitation was, indeed, placed in error. 

It is my sincere hope that, upon re-examination, PayPal can restore my account to its previous state, allowing me to continue using your services. I have always appreciated the security and convenience that PayPal provides, and I would like the opportunity to continue using it responsibly. 

I understand that errors can occur, and I believe in PayPal 's commitment to ensuring fair and just resolutions for its users. I kindly ask that you prioritize this appeal and conduct a prompt and thorough review of my account. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I dispute date account open for XXXX XXXX XXXX. The date account open is incorrect for XXXX XXXX XXXX account on my credit report. I am requesting that this XXXX XXXX XXXX account is deleted off my credit report.
Consumer complaint received 2023-12-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I was gifted the a {$50.00} American Express gift card on XX/XX/XXXX. XXXX. In XX/XX/XXXX, I created an account with American Express to manage the gift card. That month I also attempted to connect the giftcard to my XXXX XXXX on my XXXX XXXX, XXXX XXXX, and XXXX XXXX. All attempts were unsuccessful. In XXXX of XXXX, I attempted to again add the gift card to my XXXX  devices and this time called XXXX customer service. There a representative informed me this was a new issue with American Express changing processes on their end and prompted me to occasionally try adding the card as some XXXX users had been successful. 

In XXXX of XXXX, I browsed XXXX forums and discovered other consumers had similar issues. Some recommended added the gift card to subscription services, XXXX wallet, and XXXX wall. While the card is charged the temporary hold of {$0.00} and {$0.00} from the various companies, all attempts to pay with the gift card have been unsuccessful. 

In XXXX  XXXX, I contacted American Express customer service and was advised try using the gift card in store as on their end they didn't see any issues. They also helped me add billing information to the gift card. This did not remedy the issue. 

Between XXXX XX/XX/XXXX I have attempted to make purchases between XXXX  XXXX {$20.00} at the following restaurants stores ( in person and online ), which have all been unsuccessful : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX 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 XXXXXXXX XXXX XXXX 

American Express has given me no real remedy to access the {$50.00} amount on my gift card as the funds sit. I have exhausted all options suggested by American Express, other merchants, and other consumers with similar issues.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Show me the privacy note with my signature that was used to share my PRIVATE INFORMATION with the debt collectors Show the privacy notice to go from different debt collectors Thats a violation of my rights You can not just pass my private information to more than XXXX debt collector without my consent. 


XXXX. ) show me the notice you have Prove the claim amount You claim I owe XXXX $ show me based upon the accounting records how we got to XXXX $ Also the full account number for the account? 

XXXX isnt proving the full account Also the XXXX $ debt you claim I owe? 

XXXX ( Dont just send me statements, which youve never done including signatures and everything else Ive asked for proving the debt is mine Dont just have a statement or another statement, lets not leave it at that. Show me how you got to that claim. Show me my payments my interest rates the signed authorization charges. Digital or Signature or keyed in with a pin.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NH)

A friend of mine made XXXX payments to me on Venmo over the Summer : {$20.00} on XX/XX/2023 {$65.00} on XX/XX/2023 On XX/XX/2023, Venmo contacted me, claiming I owed them {$85.00}, and neglecting to explain why. After some prodding, I found out that the sender or a person with custody over his/her bank account disputed the charges. I refused to pay, naturally, but they made it clear in an email sent today, XX/XX/2023 that they would attempt to collect debt from me. The {$85.00} was legitimately transferred to me, and I should not have had any debt. This issue was between Venmo and the sender, and I was unrighteously and illegally extorted.
Consumer complaint received 2023-10-29
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 (GA)

I hope this message finds you well. I am writing to express my deep concern and dissatisfaction regarding the recent permanent limitation placed on my PayPal account ( XXXX ). I believe this action was taken in error, and I respectfully request a thorough re-evaluation of my case. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. I have not engaged in any activities that would warrant such a severe measure. The permanent limitation has not only disrupted my financial transactions but has also caused significant inconvenience. 

I kindly request that you initiate a comprehensive review of my account activity to identify any potential misunderstandings or mistakes that XXXX have led to this limitation. I am confident that such a review will reveal my compliance with PayPal 's terms and conditions. 

I understand that PayPal takes account security and policy adherence seriously, and I fully support these efforts. However, I believe that in my case, there has been a misunderstanding or error in judgment. I kindly ask for the opportunity to present any necessary documentation or information to support my case during this re-investigation process. 

Ultimately, my goal is to have my PayPal account fully restored, enabling me to resume normal use for legitimate transactions. I have been a loyal PayPal user for an extended period, and I value the services you provide. 

I kindly request your prompt attention to this matter and a fair and impartial review of my account status. I am confident that, upon closer examination, it will become evident that the permanent limitation on my account was unjustified. 

Thank you for your understanding and consideration. I eagerly await a positive resolution to this issue.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft and someone has opened a fraudulent credit card account in my name. I have contacted the bureaus over and over and filed an FTC report, and they have refused to fix this issue.
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

After placing a freeze on a government issued check, BOA sent a notice saying they would pay all fees and overdrafts incurred during the freeze. They then went in my account and changed my payment date on my car payment. It was made on XX/XX/23 to be paid XX/XX/23. The freeze did not allow me to cash any checks. Causing me to miss a payment.
Consumer complaint received 2023-10-29
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 (NC)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe there has been a misunderstanding or error in this decision. 

Firstly, I want to emphasize that I have always strived to comply with PayPal 's policies and regulations. To the best of my knowledge, I have not engaged in any activities that violate PayPal 's terms of service. This limitation has come as a surprise to me, and I am eager to understand the specifics of the alleged violation, as it remains unclear to me. 

I kindly request that PayPal re-investigate my case thoroughly. I am hopeful that upon closer examination, it will become evident that this limitation was placed in error or due to a misunderstanding. I value the services provided by PayPal and the convenience it offers, and I am keen to resolve any issues to continue using this platform responsibly. 

I understand that PayPal takes account security and policy compliance seriously, and I share in this commitment. If there are any actions or steps I need to take to assist in the resolution of this matter, please do not hesitate to inform me. I am ready and willing to cooperate fully to ensure that this situation is resolved amicably. 

I kindly request that my account be reinstated if, upon review, it is determined that no violations have occurred. I appreciate your attention to this matter and your prompt response. 

Thank you for your time and consideration.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization. XXXX XXXX ( XXXX ) and XXXX  XXXX XXXX This is a matter of serious concern regarding my personal information and credit report, which involves violations of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the XXXX Act. I am also referencing the potential penalties outlined in 15 USC 1681n.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (AZ)

I called on XX/XX/23 to see what XXXX XXXX could do to help me with my payment. I explained I was injured and missed some work but could catch my loan up this month. I was told by the rep I talked to that he would submit a deferral and as long as I made payment by XX/XX/23 that I would not have any late payments in my history or a hit to my credit. I made the payment on XX/XX/23 as I was told and did everything asked of me. They still reported me as 30 days past due. I have called twice to get this resolved and was told that there is nothing they can do. I asked for a supervisor who could help me and the first time the rep tried to reach someone he flat out told me that they are refusing to take the call. Finally got to someone who was supposed to be a supervisor and she also told me there was nothing she could do and the department who deals with credit reports does not have phones. She said the only way to even being the process of filing a complaint was foto her to mail me a letter with instructions. I did what was asked of me based on what the initial rep told me and XXXX XXXX did not hold up their end of the deal. The rep lied to me and has probably done so to several other customers with no corrective action or consequences
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I was a victim of identity on my credit report I called and filed out complnt with XXXX  but nothing has been done am trying to repair the damge plases if someone can look into these inquiry XXXX XXXX XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX also on XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX