davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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 (TX)

I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this restriction is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

As a committed PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. Should specific documents or details be required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was misled and charged an annual fee of {$75.00} on my first statement. 
An annual fee was not indicated when I applied for the card. 

The application was made on an XXXX flight. 
Airplane attendants discussed and gave out applications which were then completed and given back ti the attendants.
Consumer complaint received 2023-06-26
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. (MN)

on XX/XX/XXXX, an XXXX XXXX account was opened under my name, when I was XXXX at the time and wouldn't have even been able to open my own credit account. The balance has come to {$9400.00}, and the account was charged off, with {$9400.00} written off. {$9300.00} is past due as of XX/XX/XXXX. The status was updated XX/XX/XXXX. I was XXXX at the time, and this account was opened under my name and federal information, yet I had no association with this account, and never have, and now it is strongly affecting my credit score, which is extremely harmful for me, especially considering I never opened or had any involvement in it. I filed a dispute with Experian, and they did not help me with the problem at all.
Consumer complaint received 2016-08-08
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mobiloans, LLC (TX)

Name of Creditor : MOBILOANS LLC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Collection {$430.00} XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection {$430.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

in accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentaily under 15 usc 1681.i told XXXX XXXX and XXXX  to reinvestigate these accounts XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 u.s.c 1681 section 602A. states i have the right to privacy.15 u.s.c 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.15u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the folling items of information any other than records of convictions of crimes which antedates the report by more than XXXX XXXX15 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 arent even in compliance with XXXX XXXX credit reporting.I have evidence to prove my case
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (NY)

On XX/XX/2022 I made an online purchase of {$850.00}, immediately after I received a text from Citi stating " Free Msg Citi card XXXX Did you attempt {$850.00} at XXXX XXXX on XXXX? Yes=1, No=2 or sign on to Citi mobile app '' I responded " 1 '', they responded " Thanks. Your purchase was declined. Please retry. Your card is ready to use ''. I made the purchase again as instructed. I ended up being billed and receiving the purchased product twice, so I immediately returned the first product to the merchant and was credited ( after a lot of back and forth because in the meantime my credit card ending in XXXX was lost and replaced with a new card ending in XXXX. Additionally, the 2nd product I recieved was a XXXX gift which didnt fit so I returned the second product to the merchant and was attempting to be credited but there was an issue returning the funds to my citicard because the charge was flagged as fraud at Citi . Citi had drawn the funds back from XXXX XXXX in XXXX. I immediately contacted Citi to have this corrected so my refund could be made from XXXX XXXX. Citi then claimed to have corrected the issue and sent the funds {$850.00} back to XXXX XXXX on XX/XX/XXXX which is stated in a letter from Citi 's XXXX response unit. Months went by and I continued to follow up with the Merchant who continued to claim they did not receive the funds from Citi, finally on XXXX XXXX Citi admitted in a letter to me from Citi 's executive response unit that the funds were not returned to the merchant as they had stated on XX/XX/XXXX and they would re-issue the funds to XXXX XXXX on XX/XX/XXXX. I have since made weekly calls to the merchant and Citi because XXXX XXXX has not received the funds from Citi. I have asked Citi to remove this balance from my account because the root cause is there error, and they did not return the funds as they had claimed in XXXX, I feel that they did not return the funds as they claim they did on XX/XX/XXXX. I would like to have this balance removed from my Citi credit card.
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This made me anxious because this might have an effect on my further credit transaction and so. I want this to be fixed.
Consumer complaint received 2017-02-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AMRON PROFESSIONAL SERVICES (PA)

Got a call from XXXX saying there was a PayDay loan taken in my name back in 2012 which was not paid and I owe {$520.00} and if I do not pay it will go to court. I never took out a pay day loan in my life. Someone used my ID to get it.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

XXXX XXXX a collections account was opened. XXXX XXXX is the original creditor. Jefferson Capital System is the debt collector. The total debt is XXXX dollars. I have no knowledge of this account until it appeared on my XXXX XXXX  account. When I went to the 3 credit bureaus to file a dispute the collections account already damaged my credit. My credit had previously been affected by XXXX XXXX before for the same charge back in XXXX If you could please remove this collections account from my record and prevent XXXX from doing this again. Ive never had an account with XXXX so I dont know how they got my personal information.
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (NJ)

It has come to my attention that my credit with you may have been compromised. Despite submitting an FTC fraud report XXXX XXXXXXXX, it appears that you have failed to remove items from my credit file. As a victim of identity theft, I am once again requesting the removal of inquiries resulting from alleged identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove such items within four business days after XX/XX/XXXX. This issue was previously raised in my complaint and is reiterated here alongside my new FTC report XXXX  XXXX. Additionally, the information provided regarding these inquiries is unfamiliar to me and has already been removed by other bureaus, casting doubt on its accuracy. Please remove the following inquiries resulting from alleged identity theft : -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove these listed inquiries will result in legal action. My attorney is fully aware of my intentions and is prepared to hold you accountable for noncompliance. This serves as a final warning.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group (TX)

I received this letter from Foster & Monroe , LLC SAYING I OWE XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX account number XXXX and they are asking me to send them XXXX by XX/XX/2022 and dont have no knowledge of these places
Consumer complaint received 2017-05-03
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. (GA)

On   XXXX   I called Equifax to inform them that a couple of the collection accounts I have, I received proof that they would delete them, however the representative said they could not do unless we had confirmation of that, so I told her that I have proof directly from Them but she still refused. What a terrible way of handling thing on Equifax 's part. Terrible customer service!     The accounts was    XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-06-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: Onity Group Inc. (NY)

On XX/XX/XXXX, PHH Mortgage Co sent me a letter stating " this is a final notice that your hazard insurance policy expired '' Previously, on XX/XX/XXXX, we furnished a copy of our XXXX XXXX homeowners policy for the period XX/XX/XXXX thru XX/XX/XXXX via fax. 
There was no notice prior to the XX/XX/XXXX letter indicating any hazard insurance policy issues from PHH Mortgage. We received monthly payments and statements from PHH, loan XXXX XXXXXXXX with no mention of an insurance problem On XX/XX/XXXX, PHH mortgage sent a statement adding {$1100.00} to our mortgage principal balance for '' unscheduled from XXXX XXXX '' I called on XX/XX/XXXX at XXXX to PHH XXXX customer rep XXXX XXXX XXXX XXXX XXXX  who spoke in almost incomprehensible accent and confirmed my policy from XXXX XXXX XXXX XXXX was on file but could not guarantee a correction to my mortgage balance. I should wait a week or more to see. He said he could not confirm his findings to me via email, letter or text but to send a duplicate copy of the aforementioned policy to his insurance dept. which I did. 
They sent a copy of their insurance policy from XXXX XXXX XXXX XXXX, Issue XXXX which duplicates my XXXX XXXX XXXX for the period XX/XX/XXXX thru XX/XX/XXXX ( therefore backdated ). 
This looks like a scam.
Consumer complaint received 2023-02-27
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. (NY)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
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: SYNCHRONY FINANCIAL (CA)

Called spoke with customer service more than once Once I received returned money order via Synchrony Bank mailed XXXX payment and XXXX payment on the XXXX of this month. 
For some reason Synchrony Bank Pep Boys car care did not credit {$50.00} for XXXX. I was told they never received payment???? ( Lies ) after my own research and going back and forth with customer service Synchorny Bank gave me a late fee and reported false statements to the credit bureau. 
I later discovered they did receive payment and returned it to me without documenting my account??? 
1 ) Fraud 2 ) Language Barrier 3 ) False reporting
Consumer complaint received 2024-02-07
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)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2024-02-07
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: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My score dropped 67 points. I contacted Transunion rep unable to explain why. No changes to my credit. Other companies score did not drop. They has to be a system error with Transunion.
Consumer complaint received 2024-06-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Compass Recovery Group, LLC (IN)

Has repeatedly attempted call my private number and at work, despite multiple requests, and at XXXX ; I asked for a written notice with the amount, and have yet to receive anything. I asked them not to call me at work, and this has happened twice.
Consumer complaint received 2023-06-26
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-02-27
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3900.00}