davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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 XXXX, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe there may have been a misunderstanding or error in the decision to limit my account, and I would like to request a thorough re-investigation of my case. 

First and foremost, I want to emphasize that I have always strived to comply with all PayPal policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe measure as a permanent account limitation. I take the use of my PayPal account seriously and have used it responsibly. 

I understand that PayPal takes security and policy compliance seriously, and I respect your commitment to maintaining a safe and secure platform for all users. However, it is crucial to ensure that account limitations are applied accurately and fairly. 

I kindly request that PayPal 's team reviews my case in detail, considering any possible misunderstandings or mistakes that may have led to this limitation. If there is any information or documentation required from my end to assist in this process, please do not hesitate to let me know. 

My primary goal is to resolve this matter amicably and have my account fully restored so that I can continue to use PayPal 's services as I have in the past. I understand that mistakes can happen, and I hope that, upon review, my account will be reinstated. 

Thank you for your attention to this matter. I eagerly await your response and the opportunity to provide any additional information necessary to support the re-evaluation of my account status. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I am a Victim of ID Theft and I am very concerned with Experian and knowing that I filled a police report about all of the inquiries that Experian allowed on my credit file, over  XXXX  inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to Experian and my score is the lowest with this company. It is around  XXXX  and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2022-12-12
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have not supplied proof under the doctrine of estopper by silence, Englehardt v Gravens ( mo ) 281 SW 715, 719 1 presume that no proof of the alleged debt, nor therefore any such debt debt, in fact therefore exists. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$9900.00} XXXX  XXXX XXXX opened XX/XX/XXXX {$6200.00} XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$31000.00}
Consumer complaint received 2024-04-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (PA)

In the whirlwind of the past XXXX months, where Chases abrupt and unexplained shutdown of my account precipitated a cascade of financial and personal upheavals, the complexities of my situation have only deepened. This shutdown, a stark and brutal cutoff, left me with no means to manage, much less repay, my credit card debts XXXX XXXX XXXX XXXX, XXXX, and Chase accounts. Chase, serving as my sole financial conduit in the United States, became a barrier to the very obligations I sought diligently to fulfill. 

The sudden inability to access my funds not only resulted in XXXX late payments but also underscored a grave oversight by Chase : the failure to issue a final check. This critical lapse has extended the tendrils of disruption into the very foundation of my life here, including my academic pursuits. Each month, as I reached out to Chase, I was met with a bureaucratic labyrinth that offered no respite or solutions, merely elongating my distress and deepening my anxiety and XXXX. These mental health challenges, spawned by relentless stress and uncertainty, have forced me into a leave of absence from my studies, jeopardizing my educational trajectory and placing me at imminent risk of deportation. 

My repeated inquiries and pleas for access or at least some form of resolution were continually disregarded. The late payments labeled on my credit history are not just markings of financial slip-ups but stark indicators of a failure by my bank to provide basic access and services. Now, with the absence of the final check, my financial stability is more threatened than ever, pushing me toward potential expulsion from my academic institution and the country. 

This situation raises critical questions about the responsibilities of financial institutions to their customers, especially international students and other vulnerable groupswho depend heavily on these banking services for not just financial transactions but their legal residency and right to study. The dispute over these late payments transcends mere financial inconvenience ; it touches on fundamental rights and the duties of a bank to act not just as a business, but as a custodian of trust and security in its customers ' lives. I am now at a juncture where resolving this dispute is not just about correcting my credit record ; it's about restoring my lifes path and securing my future in the United States. This plea for my final check and the reversal of the late payment records is a plea for justicean urgent call that Chase rectify the profound errors that have marked this harrowing chapter of my life.
Consumer complaint received 2023-03-31
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. (MI)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$20000.00} STATE OF MI OFFICE CHI XXXX Balance : {$4900.00} XXXX XXXX Balance XXXX {$1300.00} STATE OF MI OFFICE CHI XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2017-07-17
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. (AL)

I HAVE DISPUTED THIS MATTER WITH TRANSUNION TWICE. THERE WAS A ISSUE WITH TRANSUNION INQUIRIES AND FRAUDULENT INQUIRIES ON MY CRDIT REPORT. I HAVE FILED A POLICE REPORT AND I AM DEMANDING THAT THE FOLLOWING UNAUTHORIZED INQUIRIES BE REMOVED FROM MY CREDIT FILE I MAILED CERTIFIED LETTER TO SHOW PROOF OF THE INQUIRIES AND FROMALL CREDITORERS AND AS OF TODAY NO RESULTS. PLEASE REMOVE HARD INQUIRIES THAT WASNT AUTHORIZE FROM ME :   XXXX   XXXX   --  XX/XX/XXXX - XX/XX/XXXX  XX/XX/XXXX  -- -- WHO WOULD REQUEST BACK TO BACK?   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   -- - XX/XX/XXXX  XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   -- -- XX/XX/XXXX - XX/XX/XXXX  TWICE IN 2 DAYS   XXXX   XXXX  - XX/XX/XXXX - XX/XX/XXXX   XXXX  --  XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX  WHO WOULD REQUEST 3 X IN A ROW?
Consumer complaint received 2017-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

It is   XXXX   XXXX   2017. I have been on hold for upwards of 2 hours attempting to reach an agent in the United States to discuss terms of my myriad federal and private loans with Navient. I spoke with them last month about updating my income based repayment. Now they are saying that my loans are late, although I already submitted the paperwork. Conveniently, the document is not appearing in my document upload portion of the web site. I am sick and tired of the abuse and run around from this predatory lender. In the past, they tricked me into using forbearances instead of lowering my repayments. They only care about profit, not helping customers. My payments only go towards interest, never the principal. This monthly procedure makes me sick. Please help.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Genesis Financial & Payment Systems Holdings, LLC (UT)

After receiving calls from " Genesis Financial, '' I sent a request for validation in writing, as well as a cease and desist notice of communication with third parties or anyone other than myself as I would correspond with them directly. They noted this on the account last week per their representative I spoke with, yet not only called my mom the day after I asked them not to and they confirmed, but today my employer also got a notice from them which I have not yet even received. I have reviewed and attached the notice that was sent to my employer, and as this notice should have been provided to me, and per the phone call with Genesis Financial on speaker phone while in the payroll office at my place of employment, the person at Genesis said when I asked what my employer was supposed to do with this "  notice, '' she said nothing. '' Again then, if this notice had nothing that needed to be done by my employer, it should n't have been sent to them in the first place, and should have been sent to me as requested. I specifically asked them to send me written correspondence regarding this " account, '' provided them with my contact information to make sure they had everything they needed, only to have them continue to send correspondence to third parties without even sending it to me directly so I have a chance to dispute and/or respond appropriately. I have requested validation and verification of this " account '' in writing, and while I am waiting for them to mail me that information, they continue to violate a cease and desist communication with third parties after they confirmed receipt of that last week, and acknowledged to me they received it and would not contact anyone other than myself. This should apply to written correspondence as well as the phone calls to my " references '' as they indicated. Per that request, written notification should be provided to me BEFORE it is sent to an employer, or shared with anyone else.
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I have not lived at these addresses which are on my credit report. This was reported last year in a report to correct my address. The proof was submitted and nothing was done about it. I have submitted my ID and passport. These addresses have never been on my other reports. I'm trying to get my errors corrected on my Experian credit report.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

XX/XX/23 XXXX : phone number changed for account, login from North Carolina a few states away XX/XX/23 : XXXX : {$2600.00} transferred to random person ( FRAUDULENT ) XX/XX/23 XXXX : reset password, reset phone number, filed dispute with Chime Bank. Advised that this will be investigated and take up to 45 Calendar days.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (MD)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again.
Consumer complaint received 2022-12-12
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. (GA)

XXXX credit card was opened in XXXX 2022 it had a credit limit of {$2000.00} and I did not open a credit card with this company. I now have a balance on my report in the amount of {$1100.00} of which is fraudulent. I have reached out to a lawyers office for counsel in this matter. I am hoping that I will be able to handle this matter myself without retaining counsel and this fraudulent information removed from all three credit bureaus. This is impacting my credit badly. I have filed a report with the FTC online about this matter.