davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

Subject : : - - Dear PayPal Executive Escalations, : -,. 

I want to bring to your attention that on,, XXXX XXXX from Executive Escalations partnered with PayPal Risk after my ( " '' ) for the Consumer Financial Protection Bureau ; Complaint No : -. As I informed them that my identity has been stolen and is now being used to circumvent PayPal, I stated that I have only one valid PayPal account under my valid emailXXXX XXXX I also advised that any other accounts are not mine and should be reported as unauthorized accounts. 

XXXX assured me in his response that PayPal Risk will complete their review within 7-10 business days and let me know the outcome of the case. He quoted the following in his response, ",,. '' I am pleased to inform you that on //, PayPal Risks completed their review and the case was found in my favor. I have enclosed a to support my claim result. However, ( : - ),. 

Furthermore, I have advised in my complaints several times that I have not submitted any invalid or altered documents. In fact, any documents based on invalidity and alteration must be discarded as I have not submitted those. The documents were due to additional unauthorized PayPal accounts being created without my authorization. 

I want to bring to your attention that I have enclosed my valid Photo ID several times during the complaints, but it appears that it has not been taken into consideration. As a sign of good faith and cooperation, I have enclosed my within this complaint response. I hope that PayPal will now closely consider my request and make a professional decision that will help me. 

I must also mention that I sent an to follow up with XXXX XXXX regarding the claim update on XXXX, but I am yet to receive a response. With this being said, I again respectfully request your assistance in restoring my account balance, as I have been proven innocent, and restoring my account access, as PayPal Risks have already closed the case in my favor. 

In conclusion, I appreciate your time and understanding in this matter. I remain hopeful that PayPal will rectify the situation promptly, and I can access my account and funds as soon as possible. 

Thank you for your attention. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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 2023-11-02
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. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX 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
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC (GA)

I contacted the debt collector with a debt validation letter. Within that letter, it specifically stated that the only forms of communication were by mail only, with no calls or emails. The letter was sent by certified mail. I have proof that they signed for it but on day XX/XX/2022 at XXXX XXXX  they left a voicemail and I still have the recording & screenshots of the voicemail from their office location. 

The debt collector is in violation of 15 U. S. Code 1692c-Communication in connection with debt collection, 15 U. S. Code 1692b ( 2 ) Acquisition of location of information, 15 U. S. Code 1692c ( a ) Communication in connection with debt collection,15 U. S. Code 1692d ( 2 ) Harassment or Abuse & 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection.
Consumer complaint received 2024-04-04
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: Nelnet, Inc. (IL)

Ihave reached out to XXXX as well as Nelnet LNS on numberous occassions in reference to the fact they are reporting inaccurate information on my credit report. According to The Fair Credit Reporting Act ( FCRA ) all information should be 100 % accurate. My Nelnet LNS account state XX/XX/XXXX ( ok ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is a violation of The Fair Credit Reporting Act as this information is inaccurate. XXXX and Nelnet both have violated my rights stating the account has been verified as accurate as shown the the multiple reports I have received from XXXX. The Fair Credit Reporting Act requires the account to show 30 days, 60 days, 90 days and 120 days if an account is in fact late which I wasnt on this account.
Consumer complaint received 2023-11-02
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-11-02
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-02
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. (NC)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I woke up to an email from Chase Bank that they had restricted my account ( Checking & Savings ) with them. I called them immediately to resolve this. They provided no help and just told me that the restriction is permanent and that my account would be closed in 7-10 business days and that I would receive a check with remaining funds. They provided no reason as to why it was being closed for no reason. I went in person to a Chase and asked the same questions and asked for options to receive the funds sooner as Chase is my only bank and this has left me without ANY access to my funds. My direct deposit from my job also went through the day after this so I have no access to that ( I tried to cancel it but it wasnt in enough advance of the direct deposit, it was already scheduled ). I can not buy food, access transportation, buy necessary healthcare products, etc. In person they said the same thing. They said they were ending the relationship without any explanation as to why and that I could not expedite the funds. I followed up today, 6 days after the initial email, to see when the account would be closed or get any sort of update as to when I would receive my funds. Again, they provided me with no information and the representative said it should close within 10 business days. I asked her to clarify if that meant 10 business days from the original email or from today. She was very vague and danced around the question. After researching online, I found that Chase is notorious for closing accounts for no reason and with no notice. They do not care if their long-term, loyal customers are able to eat or pay for their shelter or healthcare products. I need these funds sent to me ASAP.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

It has been brought to my attention that the XXXX, Equifax and XXXX Credit Bureaus are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this complaint to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX {$100.00} XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX  ) - XXXX XX/XX/XXXX {$2600.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-07-29
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. (AR)

I have reported the payment made to XXXX  XXXX to trans union they will not fixed they have where I cant dispute it anymore
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (IA)

I am a confirmed ID Theft victim and someone used my name to open up fraudulent accounts with a Affirm Inc. ( XXXX XXXX  ) .There are two accounts on my credit report that do not belong to me nor are they associated with my identity. I have no knowledge of these accounts at Affirm.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: N26 Inc. (FL)

N26 via XXXX XXXX  in their Account Agreement and Disclosures Effective XX/XX/XXXX on Page 11 of 18 states that Over the Counter Withdrawals are permitted with a max of {$5000.00} per day. However when I tried to do this, the transaction is declined and support is unable to help. I reported this issue back in XX/XX/XXXX but they still have no resolved it. I have contacted them via email multiple time about updates on this issue.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Over the past 8 years in speaking with The Navient team, I was advised to take advantage of the loan forgiveness program which was communicated to freeze payments and interest on my federal loans. However, It looks like my interest in loans has been compounding over the years. I originally took out XXXX in loan and now I'm close to XXXX in total debt because of interest. Over the last 10 years, I've basically been out of full-time work so I have hardship paying back the loan. 

CFPB did sue the company Navient for failing borrowers and used deceiving information. These tactics have illegally misled me and I'm ready to leave and want to get rid of my navient contract. 
XXXX
Consumer complaint received 2023-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-07-29
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. (IL)

In Accordance with the fair credit reporting act. XXXX XXXX # XXXX has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681 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 an 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, 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 and 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
Consumer complaint received 2023-11-02
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. (TX)

To whom it may concern these hard inquiries in my credit file are from unauthorized use of my social security number. I did not authorize these hard inquiries to be made on my report nor they relate to anything Ive did. Im unaware of any of this. Please REMOVE these unauthorized inquiries from my information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Unauthorized Inquiries : XXXX XXXX Inquiry XXXX : XX/XX/2023 I did not authorize this inquiry nor do I have any knowledge of it. Please remove ASAP XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 I did not authorize this inquiry nor do I have any knowledge of it. Please remove ASAP
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

BEST BUY SCAMMED ME OUT OF XXXX and RUINED MY credit!!! I called XX/XX/2024 notifying them that these charges were not made by me and yet they still ruined my credit and arent doing ANYTHING to remove it off my credit! I will speak to a lawyer for this matter!
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (WA)

I tried to link my XXXX account to my American Express savings account. 
XXXX account show up as XXXX XXXX because that is the bank they use for US currency. After linking, my American Express savings account is frozen. 

I called them and uploaded the statement from XXXX as requested. 

My American Express savings account is still frozen.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

On XX/XX/2019 I had wrote all 3 major credit bureaus disputing the accounts in question I had also wrote the creditor disputing the balance as well on XX/XX/2019 and XX/XX/2019, XX/XX/2019. This account is till reporting on all 3 major credit bureaus and now I have collections calling my phone on an account I did not opened. I Have been overseas for the past 3 years and I have been disputing this account since I have been back into the states. I m a victim of identity theft and i have provided copies of my XXXX papers and dispute letters and yet they are still trying to collect money due on the account