davidheineman/consumer-finance-complaints-large huggingface dataset:
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 (CA)

Dear PayPal Customer Service, I am writing to submit a complaint regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake and that I have not violated any PayPal policies. 

Firstly, I would like to emphasize that I have been a loyal and active PayPal user for several years, and I have always abided by the terms and conditions outlined by PayPal. I have never engaged in any suspicious or fraudulent activities, nor have I ever violated any of PayPal 's policies. 

Therefore, I was shocked and dismayed to receive notice that my account had been permanently limited. I strongly believe that this limitation has been placed by error and I would like to ask PayPal to re-investigate my case. 

I respectfully request that PayPal takes a closer look at my account and any associated transactions to verify that I have not violated any policies. I am confident that upon review, you will find that I have acted in good faith and that there has been no wrongdoing on my part. 

Furthermore, I would like to kindly request that if PayPal finds no evidence of any wrongdoing, that my account be reinstated as soon as possible. I rely on my PayPal account for my day-to-day transactions and it is important for me to be able to use it without any restrictions. 

Thank you for taking the time to review my case. I hope that PayPal will reconsider the limitation that has been placed on my account and that I will be able to continue to use my PayPal account without any further issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-21
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. (SC)

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 XXXX  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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXXXXXX XXXX || Date of inquiry : XX/XX/year>. XXXX. || Date of inquiry : XX/XX/year>
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I reviewed a copy of my credit report and it was showing two 30 day lates, I called XXXX XXXX and disputed the entries and the rep wasn't able to explain why 30 day lates where showing. I requested they be removed and they haven't been removed. I sent the dispute in writing, I also sent an Opt Out disclosures and the Civial Liability laws requesting that they be removed.
Consumer complaint received 2024-03-21
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. (SC)

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 inquiries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX
Consumer complaint received 2023-05-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I applied to Bethpage credit union for a line of credit. I could not get into sign documents. I emailed them 3 times about this. No reply. So I never signed the documents, yet they somehow checked my credit report, with no written authorization. We could not come to an agreement on a payoff item. So I ended up canceling my request. They wanted me to pay at at closing an unsecured loan that was at least 2.5 point lower then their rate, and would not substitute payments to Higher rate credit cards. no I worry that they would say denied when it was I who cancelled. And how do you check credit, which was good anyway, before you get authorization. I found their behavior very unprofessional. people should be aware of how they operate.
Consumer complaint received 2023-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

a dept XXXX was sent to collections today XX/XX/23 thats not mine, they mixed me up with my son XXXX.I called both the collection service and banifield the complainant.I told them they put my sons bill to my name.we have the same name, they have his email and my dob.now i had a acct with them years ago, so when my son went there they guess it was same person apparently and used that, my son knows the situation and didnt get any notice of bill and has no issue paying but i need it removed from my credit profile file asap. I have no agreement no signed docs
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately :
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (OH)

I was trying to get a loan for my business and realized i had damages on my credit report and acording to the 15 U.S.C 1681b law there should not be any damages on my credit report. It is a defamation of character
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 — Account status incorrect
Company: EQUIFAX, INC. (AR)

XX/XX/2023 XXXX, XXXX, AND EQUIFAX STATING ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
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 (OR)

Dear PayPal Customer Service Team, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account. I believe this limitation was placed by mistake, and I would like to appeal this decision. 

Firstly, I would like to stress that I have not violated any PayPal policies or terms of service. Therefore, I find it unfair that my account has been permanently limited without any justification or explanation. 

I understand that PayPal 's policies are in place to ensure the safety and security of its users, but I am confident that I have not engaged in any behavior that would warrant such a drastic action. I have always followed PayPal 's policies and have conducted all transactions in a transparent and honest manner. 

I am requesting that PayPal re-investigate my case and review my account 's activity once again. I hope that this will lead to a reversal of the decision and the restoration of my account. I would also appreciate it if you could provide me with more details about why my account was limited and what specific policies I have violated, if any. 

Lastly, I would like to confirm that the email address associated with my PayPal account is XXXX. I kindly ask that you contact me using this email address for any further communication. 

Thank you for your time and consideration. I look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MI)

I purchased a mattress from  XXXX   XXXX  which was delivered on  XXXX / XXXX /  XXXX  . After taking delivery I noticed that there were stains on the side of the mattress and contacted the company several times by phone. At their request, I emailed them pictures on  two  occasions of the stain. No response was received from  XXXX   XXXX . I disputed the charge with Commenity Bank who I pay to for the mattress. There investigation concluded with  XXXX   XXXX  falsely stating I have never contacted them regarding the stain. All supporting documents are attached and phone records of calls made to the store can be made available as well.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (CT)

I moved to a new state and first requested this lien holder to have my title transferred in XXXX of XXXX. No contact from them, resent the form for title request in XXXX. No contact from them. Received a temporary registration on XX/XX/XXXX without title because state never received title. No contact from them. Called lien holder again XX/XX/XXXX, no further action, they will request title. State never received title. Registration expired XX/XX/XXXX. Contacted lien holder again on XX/XX/XXXX. Was told that they would submit another title request. Company then stated that, " Originally there was confusion about whether we received the title from our holding facility. We will put in an escalated request to have it sent from holding facility. Put in an escalated request to receive the title from the holding facility. Title should arrive from holding in 3-5 days '' Was told that I would be called on XX/XX/XXXX to be given an update. No call received. Contacted DMV on XX/XX/XXXX, no title received. Contacted lien holder again and was told, " We will order a duplicate title, but it takes the state at least 4-8 weeks to provide it to us.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I had previously file you a report on XX/XX/2023, requesting an investigation into the information being reported on this account. However, I received a response from you stating that the account was verified and there would be no change. Subsequently, I reached out to the creditors for verification of the information but received no response. I repeated my request for verification but still got no response. I have now exhausted all possible means to resolve this matter and demand that the account be deleted from my credit report as it is invalid and unverifiable. According to the Fair Credit Reporting Act, if there is no proof of debt and no verifiable information, then the information can not be reported to or by credit bureaus. Please take the necessary steps to remove the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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. (GA)

I sent you a letter last month because you are reporting some late payments that are NOT accurate and I asked you to update these late payments to ON TIME PAID AS AGREED. 

You seem to not understand how serious this is because you have not fixed this issue for me. Please look at this letter as it is my XXXX ' time notifying you of some items that are incorrect, these are NOT Accurate on my credit reports. 

I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name : XXXX XXXX XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/XXXX and XX/XX/XXXX, Please fix this immediately, this is my XXXX letter and I am trying to buy a home. 
Thanks for your help,
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello I have multiple reports on my credit that were not verified or not mine. I have disputed it with all three credit bureaus and they removed it from some beuras but not all there is a collection account for collection services that was not me for {$190.00}. Also there is a credit card that was opened while I was in Virginia and was not me with XXXX XXXX. These need removed. I disputed them and then transunion and XXXX said it was verified correctly but when I asked for verification method and sent to me that I have a right too by federal law in 30 days they sent nothing. They were not me and they wont remove it if this doesnt work I will be sueing them. And no I do not need you to mark fraud I will freeze my credit myself
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (MI)

As recently as XX/XX/2020 the joint lease account on my credit report reflected closed, paid in full/obligation met. 

On XX/XX/XXXX both my and my co signer 's credit files were hit with over 165 days past due. 

I have already had to dispute this account and asked numerous times for an updated bill upon which I could pay. 

XX/XX/XXXX I called the collection department and explained I never received an updated bill and was told I would not receive one. 

I mentioned my credit report from XX/XX/XXXX reflected a closed and paid account with GM Financial and they said that on their end they did not report that to be true. GM Financial 's billing practices are abusive, unlawful and the oversight has caused me and my cosigner a lot of negative financial consequences. 

Near the end of the conversation I was finally told that I could be sent a payoff letter with the updated amount due. 

This is what I had been asking for from the very beginning when trying to resolve the incorrect end of lease statement received in XXXX.
Consumer complaint received 2018-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today XX/XX/18 I received a letter from XXXX XXXX XXXX XXXX   stating thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. On XX/XX/2018, we correctly reported your accounts high credit as {$3900.00}. Also, we have placed a disagreement code with a resolution dispute on your credit file to the major credit reporting agencies etc.There is no name, phone number, or extension to call anybody. I never disputed that the account 's highest credit was {$3900.00}. It shows on all my credit reports in XX/XX/2018 which I am going to upload. I don't understand what is going on with XXXX XXXX XXXX XXXX. First I get a call from a Resolution Specialist XXXX  ( spelling ) leaves me a message. I call her back and tell her she can call me back. She calls me back a few days later and let 's it ring twice and hangs up before I can answer my phone with no message. It appears that no one knows what's going on with my complaint going from customer service, to Account Specialist, to Supervisor who told me on XX/XX/18 when I disputed the {$1900.00} being wrong with XXXX that Capital One would not change all my credit bureau reports and my authorized user 's reports which is exactly what happened, to Resolution Specialist. Same date XX/XX/2018, received XX/XX/18, I receive another letter that XXXX XXXX XXXX XXXX XXXX is  going to change with the credit bureaus from {$1900.00} to {$1700.00}. I appreciate that you have gone through with the credit bureaus and changed amounts, but what you did was put the amount of {$520.00} on my credit reports instead of the {$1700.00}. I don't understand what's going on! So now that you have reported the {$520.00} to all credit bureaus and the card was used after that there was an increase in the amount to {$600.00} and change which is going to show an increase in my balance which is going to again affect my credit score/Fico Score.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My information with equifax has been breached. Here is the proof and they refuse to delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So please delete these from my credit reports immediately as I was a victim of this data breach.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MI)

Ive talked to your billing department and they can not help me process the remittance coupons that were sent to me by your company. I have sent in the remittance coupons according to the bills of exchange act and usc and ucc laws. They are not giving remedy and are trying to force me to double pay them. They have reported incorrect information regarding all of this and have damaged my ability to use my credit to support my family. They have defrauded me.
Consumer complaint received 2023-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/2023 To Fifth-Third Representative, XXXX XXXX , This is a response to a letter I received on XX/XX/2023, notifying me that my mortgage loan was to be paid in full. This letter is in direct conflict to the previous agreement crafted by XXXX XXXX XXXX representative and 5/3 representative XXXX. In that agreement, I was to pay around {$2300.00} by XX/XX/2023, at which time my mortgage would be reinstated at its original monthly payment. 
I am prepared to make the payment as agreed upon my XXXX XXXX XXXX and 5/3. I am open to speak with anyone to resolve this issue immediately. You may email me at XXXX or call at XXXX. 
Respectfully, XXXX XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion Refuse to update my Credit file to XXXX  XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX  XXXX they stated we receive but will not update also XXXX XXXX will not update my file also to XXXX XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.