davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (NC)

I received the attached letter on XX/XX/2020 from the said company ( Dynamic Recovery Solutions ) stating that I have a debt that I have no knowledge of. The letter states that I have an outstanding balance of {$1200.00} with XXXX XXXX as the Original Creditor and the Current Creditor as XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (VA)

Subject : Urgent Complaint Regarding Withheld Unemployment Funds Dear PayPal Customer Service, My name is XXXX XXXX, and I am writing to file a formal complaint regarding my unemployment funds that have been stuck in my PayPal account for over three years. In XX/XX/2021, I received my unemployment benefits to my PayPal account. Despite numerous attempts to retrieve my funds, PayPal has consistently refused to release them. 

This situation has caused me significant financial distress and inconvenience. I have followed all required procedures and made multiple requests, yet my funds remain inaccessible. I have been homeless for the last three years, and access to these funds would profoundly improve my circumstances. 

Given the prolonged duration of this issue and the lack of resolution, I am left with no choice but to consider legal action against PayPal. However, I am willing to give PayPal one more chance to resolve this issue promptly. If my funds are not released immediately, I will seek compensation beyond the amount owed due to the severe impact this has had on my life. 

I am writing to request your urgent assistance in addressing this issue. Please help me retrieve my funds. What steps do I need to take to resolve this issue? 

This situation has gone on long enough, and I expect a prompt resolution. Please address this complaint with the urgency and seriousness it deserves. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX SSN last four : XXXX
Consumer complaint received 2023-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I paid my XXXX XXXX XXXX Bill associated with account number XXXX the full balance of {$190.00}. nonetheless, I've been contacted multiple times by credit collection services with demands to pay a bill that I've already paid. My reference number is XXXX, pin number XXXX. I have tried calling both XXXX and credit collection services to no avail. They are demanding money my already having paid the bill.
Consumer complaint received 2020-09-30
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 — Investigation took more than 30 days
Company: M&T BANK CORPORATION (NJ)

Good Morning ; I'm not sure what's going on with M & T Bank, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-15
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: CITIBANK, N.A. (IL)

My ex friend posted my info on her social media outlets telling all her followers to commit unemployment and PUA fraud. I then started to get inquiries that i do not recognize. I also got a email from XXXX saying some tried to use another account to file my info on XX/XX/XXXX. I had already filed my return on XX/XX/XXXX. Also, I always file my son. Knowing they do not have my son 's info, the account filed without my dependent is fraudulent. The person who posted my info name is XXXX XXXX XXXX, XXXX : XX/XX/XXXX. Her home address is XXXX XXXX XXXX, XXXX, il, XXXX. I tried to go to my local police department but they told me to file a non emergency report online. I have a Macys card inquire and a CitiBank inquire that was not me. If this woman ( XXXX XXXX XXXX ) has your info for any reason report her.
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (FL)

I had a title loan through Wilshire and my car got repossessed and when the car was repossessed, they sold it for {$15000.00} and so my refund was for {$10000.00} and every time I'm calling to receive my money from this company I'm put on hold for 51 minutes to hour two hours you know they dropped the phone calls. I'm requesting information about when my check is going to be issued to me. They told me you would be like 3 to 5 business days one time and then I called back in the telling them that the check was not here and they continuously try to put me on hold and hang up. Hang up on me.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have sent XXXX packets via certified mail to Equifax on XXXX XXXX  and again on XX/XX/XXXX which contained proof of identity, a police report, FTC report, notarized identity theft affidavit, an XXXX report XXXX copy of my credit report with the fraudulent information, and a copy of the Fair Credit Reporting Act Section 605B which states the laws they have to obey and my rights as a consumer. 

Equifax is treating this case as a dispute. I did not initiate a dispute or investigation/reinvestigation with these accounts. I submitted a request to block this fraudulent information according to the Fair Credit Reporting Act Section 605B. 

Equifax is in clear violation of the law and this is my last time I will consider settling this matter if it is not taken care of I will contact an attorney and sue Equifax.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

My sister sent me {$550.00} so that I could make an emergency trip to XXXX. This is a time sensitive issue and I needed the money to make my travel plans. She sent the money to me via Venmo. When I tried to transfer the money to my bank account via instant deposit on a debit card, I was denied. I tried a different debit card, and was also denied. I spoke to their customer service and I was told that the transfer was held on their end, but given no further information. I was also told there was no way for their customer service team to override the system. Again, I completed a transfer the night before, and while I am not a regular user of their service - given their appalling and completely XXXX XXXX XXXX XXXX XXXX XXXX  attitude when it comes to customer service- I have sent and received money from my sister before with no problems. To reiterate, this is an emergency situation. I lost my wallet sometime in the past week and am reliant on these digital transactions until my new cards arrive. Venmo is holding onto my money arbitrarily and not giving me any justification as to why. Every minute I waste trying to resolve this situation is a minute I could be spent getting to XXXX, and I don't have the time to waste.
Consumer complaint received 2020-09-30
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. (CA)

I applied for a XXXX 's credit card a few weeks ago and I was not approved on the spot now today XX/XX/2020 I received a letter in the mail stating that the reason I was not approved was because there are many accounts and inquiries reflecting badly on my credit history. I had no idea what accounts they were referring to so I looked through my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way ; I have never signed any contract or agreement with any of the companies listed on this report nor did I ever give them permission to run or access my credit file. I did not benefit anything ( money, goods, services ) from these accounts that were opened without my permission and I did not make any payments towards any of these balances. I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXXXXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! 

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY ()

SUBJECT : Asset backed Securities XXXX XXXX turned into receivables with no equal consideration given Lack of Indenture Agreement per SEC filings BREACH OF FIDUCIARY DUTIES by appointed Trustee XXXX XXXX, vice President XXXX XXXX XXXX XXXX I applied twice online for American Express charge cards and received XXXX letters of denial of credit dated XXXX and XXXX XXXX from customer service, to which I responded reversing the denial of credit through registered mail XXXX sent to XXXX XXXX XXXX and XXXX sent to XXXX XXXX XXXX XXXX Chief Legal Office, both of which were received on XXXX at corporate headquarters American Express Company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

After receiving XXXX letters with denial of credits signed by XXXX XXXX, XXXX XXXX answering for XXXX XXXX XXXX, I wrote XXXX emails to XXXX XXXX, Chairman for American Express at XXXX on the XXXX and XXXX and an email to XXXX  at XXXX dated XXXX, all of which remain unanswered until today. During this period, I called 3 times to follow up and check they had been received and spoke with XXXX who answeres for chairman 's office, who can confirm. 

On XXXX I sent Notices of Breach of Fiduciary Duties via registered insured mail XXXX with notice of Breach of Fiduciary Duties to the appointed Trustee, XXXX XXXX, Vice Presidente of XXXX XXXX XXXX XXXX XXXXXXXX, as per American Express Fourth supplemental Indenture Agreement dated XX/XX/XXXX, and registered insured mail XXXX XXXX to XXXX XXXX, Chief legal Office. 

I filed complaint XXXX XXXX with CFPB to which American Express answered that their procedures were " in compliance with all laws and regulations '', not only not addressing their unlawful BREACH OF FIDUCIARY DUTIES nor giving me back my original asset backed securities, as requested, which is unlawful and securities fraud. 

No charge cards were given nor were my applications returned until today.
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This will be my follow-up to my previous complaint to ensure that these accounts are investigated for their erroneous reporting : XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}
Consumer complaint received 2024-04-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (LA)

Wayfair/ Citi Retail National Bank . The account has been closed for quite some time I made at least 15 attempts since the beginning of the year to work this out no response. I even sent several payments. At first, they said I was {$270.00} overdue this past month. They said I was {$370.00} overdue. I sent them {$500.00}, I also explained to them I was trying to work it out without all the late fees. I was actually begging them to work this out they refused. Now Im frustrated and fed up with these false accusations in my credit report.
Consumer complaint received 2024-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: MIDFIRST BANK (TX)

My husband and I feel that Midland Mortgage, a Division of MidFirst Bank is threatening foreclosure that pertain to the documents I will be attaching to this complaint. 

My husband and I are quite wary of what we comprehend after reading the letter and documents. 

Also, to mention that in the process of researching Records and Archives at County, we did find out that the letter that was sent to us in XX/XX/2011, was a bogus letter sent to us from the Midland Mortgage. The address on it has XXXX 's name, but the address under the name belongs to the Midland Mortgage, a Division of MidFirst Bank. 

My husband and I suspected, back in XXXX through XXXX, when the VA placed the property on XXXX, that the mortgage company would wait until the last minute to send us the " mortgage assistance '' documents. And here we are in XXXX ; and they just now mailed us the documents. Not to mention, a mortgage we should not have been paying them; had they done it the legal way there would not be an issue. 

We are very wary of the wording on the documents. It seems that they want us to pay upfront to qualify for assistance. ( We should not have to pay upfront for assistance. ) And we understand that if we don't pay, or if we don't cancel because we can't afford to, either way they will proceed to file foreclosure on us. 

Meanwhile, the only communication we have received from them have been the responses to our complaints and reports. 

We do not need to pay for help with forbearance options. We should steer clear of scams, especially offers to help that come with upfront fees - whether the offer is for our mortgage or other services, like with credit repair.
Consumer complaint received 2024-03-13
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. (PA)

Trans Union is in violation of FCRA 611 regarding a dispute I submitted via CFPB # XXXX XXXX on XX/XX/XXXX and Trans Union acknowledged receipt on XX/XX/XXXX and sent a response with results XX/XX/XXXX, stating I would receive a reply in the mail. 

The basis of my dispute was based solely on FCRA 602 which states I have a right to privacy and FCRA 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without the consumers written instructions. 

Additionally, The XXXX XXXX XXXX XXXX XXXX places Trans Union in blatant violation of law. 

Trans Union is now compelled to delete the XXXX accounts listed below because they FAILED to conduct their investigation in 35 days. 

Trade : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX have also discovered that both accounts are reporting Date of Last Payments XX/XX/XXXX and should also be DELETED because they are over XXXX XXXX XXXX and this is another violation that I may have to take to COURT. 


This is also a request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( A ) ( 7 ) as I am requesting the Name of the person ( s ) you spoke with along with their Address and Telephone Numbers. 

I am also requesting the procedure ( s ) used that led to my dispute being updated/verified. 

I understand that if you do not forward me this information in 15 days I can collect financial compensation in a Court of law. 

Again, delete both accounts listed above.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (KY)

We took out a loan with one main financial in XXXXXXXX XXXX in XXXX XXXXXXXX dollars which wasnt all at once it was over a few years. when Covid hit it was hard for us to make payments they also told us in order to get the loan we have to sign for the add ons which they didnt explain at all other than it was for our protection for the loan. We are now having our paychecks garnished because of this. The branch that was in XXXX ky has since closed its doors go figure and we cant get ahold of anyone we also have our original paperwork from this as well. We would really like this resolved as soon as possible and any all reimbursement paid back do to their shady policys. And lying to our faces.
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/XXXX and I am yet to get a response Regarding this debt from XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXXXXXX. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

MY IDENTITY WAS STOLEN THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.