davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX Subject : Complaint Against PayPal Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal regarding a recent incident that has resulted in significant financial loss, inconvenience, and emotional distress. I believe that PayPal 's handling of the situation has been unfair and contrary to their own policies. 

On XX/XX/2023, I engaged in a transaction on XXXX where I sold XXXX XXXX through their peer-to-peer program to a buyer named XXXX for XXXX USD. The payment was processed via PayPal, and once the payment was confirmed, I promptly released the XXXX to the buyer 's account. 

Regrettably, two days later, the buyer filed a claim with PayPal, alleging fraudulent activity and demanding a refund. I immediately provided compelling evidence to refute the claim, including verifying that the buyer 's name matched the individual I sold to and highlighting XXXX 's stringent XXXX  verification requirements. Initially, PayPal cited non-delivery as the basis for ruling against me, but later altered their reasoning, asserting that XXXX does not qualify for seller protection. 

It is essential to note that PayPal 's seller protection agreement does not explicitly exclude XXXX from eligibility. I have clearly communicated this fact to PayPal and provided concrete evidence, such as screenshots and emails from XXXX, confirming the successful delivery of the XXXX to the buyer 's account. 

Despite my diligent efforts and the supporting evidence I provided, PayPal sided with the buyer and refunded the funds. The buyer initiated five separate transactions, each with a unique transaction ID : - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX PayPal 's explanations for ruling against me have been inconsistent and contradictory. I have exhausted all available channels to address this issue, including multiple attempts to contact PayPal 's customer support. Although they briefly reopened the cases for review, the outcome remained unfavorable, and PayPal failed to provide a clear justification for their final decision. 

This entire experience has caused me significant frustration, financial hardship, and emotional distress. I am seeking your assistance and intervention in this matter. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this case and urge PayPal to reconsider their decision, rectify the situation, and reimburse the funds that were unjustly refunded to the buyer. 

I have full confidence that the Consumer Financial Protection Bureau will prioritize the protection of consumer rights and ensure a fair and equitable resolution. Thank you for your attention to this matter. I eagerly await your prompt response and support in resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that aren't reporting correctly. 
These following laws prove that these accounts have to be removed : - 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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-03-26
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. (AZ)

I am writing to express my profound frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite numerous attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

The persistent presence of fraudulent charges on my account not only undermines my confidence in your organization 's ability to protect its customers but also reflects poorly on your commitment to addressing fraudulent activity promptly and effectively. 

Conduct a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and safeguard my financial interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$XXXX ; XXXX XXXX XXXX Balance Owed : {$XXXX} ; XXXX XXXX XXXX Balance Owed : {$XXXX} ; XXXX XXXX XXXX Balance Owed : {$XXXX} ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$XXXX} ; XXXX XXXXXXXX XXXX  Balance Owed : {$XXXX}. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2023, I was asked by a XXXX store clerk if I was interested to join a rewards program, I asked them what that meant and what I needed to do and they only told me to show my State ID and did not at all mention that this was a credit application. I was not informed about any applicable interest rate or fees, I was only informed that by scanning my state ID, I would get a 25 % discount on the purchase. I agreed to that and did not think further about the interaction. 

To my surprise, on XX/XX/2023, I received a store card in my name in the mail. 

Upon checking my credit history, I found that a hard inquiry was made to open this account. I called the issuer of the card and they agreed to close the account. They also agreed to request removal of the hard inquiry from my credit history. 

In retrospect, the store clerk deceived me into opening a credit account that I never consented to.
Consumer complaint received 2017-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

In response to complaint :  XXXX  FAIR COLLECTIONS & O ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  FL  XXXX ,  XXXX , CA  XXXX  Phone :  XXXX  Fax number :  XXXX  Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act  Section 611 [ 15 USC 1681I ]. You  have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account #  XXXX  and tell them the debt is the result of identity theft. I have enclosed a copy of the  Federal Trade Commissions police report Notice to Furnishers of Information. It explains y our responsibilities under the Fair Credit Reporting Act  ( FCRA ). The FC RA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commissio n FAIR COLLECTIONS & O acc #   XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.   Sincerely,  XXXX ,  XXXX   XXXX    XXXX   XXXX   #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My BofA checking account statement ending  XXXX / XXXX /  XXXX   had a {$14.00} service fee. Because I have over {$5000.00} in an IRA with the bank, my fees are supposed to be waived, and had been in the past.     I called and talked to  XXXX  at  BofA  on  XXXX / XXXX /  XXXX  . She agreed I should not be charged and credited my account {$14.00} which was deposited that day. I clearly stated that besides the refund, I wanted the root cause of the problem taken care of so I would not have to waste my time again in the future.     The cause was not found and fixed because on my next bill ending  XXXX / XXXX /  XXXX  , I was charged another {$14.00}.     I want Bank of America to conduc t RCCA (  Root Cause Corrective Action ) to address this problem once and for all. I would be surprised if this problem has not effected other account holders.
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

On  XXXX / XXXX / XXXX  my mortgage servicing compa ny ( Ocwen ) received my cashier check in the   amount of {$14000.00} which was applied toward the period of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I had received a notice of default from the company for that period. As instructed by the company, prior to submitting my payment, I called to verify the EXACT AMOUNT past due on the account. I was told to send a bank check in the amount of {$14000.00} which was the exact amount needed to bring my mortgage current to  XXXX / XXXX / XXXX  and was received b y Ocwen  on  XXXX / XXXX / XXXX . I sent my check  XXXX .  XXXX  in the amount of {$20000.00} under separate cover which the company received and applied accordingly for  XXXX / XXXX / XXXX . I specifically asked for the exact amount that would be due for  XXXX / XXXX / XXXX  and was told {$20000.00}. I was assured there would be no additional charges. When I received my statement for  XXXX / XXXX / XXXX , there was a total amount due of {$4200.00}  ( {$ 2000.00} for  XXXX / XXXX / XXXX  and {$2200.00} listed as past due fees/other charges. I wrote a letter to the company requesting an explanation, and was told these fees were from servicing fees incurred in  XXXX  whe n Ocwen  acquired the loan from Homeward Residential. I am not in agreement with these additional fees and respectfully request your assistance in resolving this matter.
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (CO)

The first and only document I received from Bay Area Credit Service was full of false and incorrect information. The document is threatening me with interest at 8 % but I never received a 30 day window to dispute it in the first place. The document also never mentions that the debt will be placed on hold while I dispute it. This document has 1 phone number with 1 person on the other end acting as multiple people. I tried going to the website for further proof as there is no email for me to contact, and the website is a scam. Each button and function I click takes me to an " error '' page. Also, this website has multiple phone numbers listed and not a single one matches the phone number on the document I was sent. I called to dispute my " debt '' and when I asked for an email copy of an itemized statement and proof that they are a legitimate debt collector, they would only respond by questioning me about what they must send. I told them I dispute the validity of the debt and they simply replied that I have to call my insurance. These people are referencing an ambulance ride I had from over a year ago which was fully covered by my insurance at the time, as I had already met my deductible. The website is www.bayareacredit.com/compliance and the phone number is XXXX. I recorded the errors I had from the website and noted the date and time I called.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LendingPoint Holdings LLC (CA)

I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,    2017  someone tried to obtain a loan throu gh Lendingpoint. I was no tified from  XXXX  and they began an investigation. A few hours later I received a letter from  Lendingpoint denying my loan because of my credit score, and various other reasons listed on my credit report. Not once did Lendingpoint reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear Lendingpoint ignored the fraud alert. I called Lendingpoint and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the i nquiry removed from my credit report.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for Capital One to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account Capital One - XXXX XXXX XXXX digit XXXX : XXXX
Consumer complaint received 2023-07-01
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. (AL)

Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title creidit central... was XXXX XXXX XXXX XXXX XXXX it's reporting under the law they can't do this never received notes from these companies of being late..
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the presence of [ specific item, e.g., bankruptcy ] on my credit reports with XXXX, XXXX, and TransUnion, as reported under XXXX XXXX. XXXX. It has come to my attention that this information is being reported inaccurately and is in violation of the Fair Credit Reporting Act ( FCRA ) code 611 ( 15 U.S.C code 1681I ).

As per FCRA code 611, any information that does not comply with the accuracy requirements must be promptly deleted from all credit bureau records. Therefore, I request that you investigate this matter and delete the inaccurate information from my credit reports with XXXX, XXXX, and TransUnion. 

I kindly request that you review this dispute and work with XXXX, XXXX, and TransUnion to delete the inaccurate information from my credit reports as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NE)

I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am submitting this CFPB complaint in hopes that the fraudulent accounts and information being reported on my Credit File be removed as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} NXXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If you believe that the disputed items belong to me, please send me copies of proof of verification or ownership. In the absence of these documents, immediate removal of these fraud accounts will be immediately removed.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I received another notice from Nationstar recently XXXX XXXX XXXX ). I 've filed a complaint against Nationstar in XXXX XXXX showing that Ive filed Chapter XXXX XXXX # XXXX, discharge date : XXXX XXXX, XXXX, thus releasing me from liability involving the mortgage and property. I am still receiving billing and paperwork from XXXX XXXX ( XXXX XXXX ).
Consumer complaint received 2024-03-26
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)

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 XXXXXX/XX/XXXX