davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

To whom it may concern, Im a PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email on XX/XX/XXXX. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. I primarily use my PayPal for Purchases like Video Games and Online entertainment. In addition, my PayPal is authenticated Everything I do on PayPal is completely legitimate. My id for my case is XXXX. Heres also a transactions that recently happened before i was banned - XXXX is the the only one i received everything else i purchased was entertainment and it was video games, movies etc. None of these violate the AUP or Anything on Paypal. To be honest, I have no idea what could have triggered this mistake. I reviewed it in in close detail. I looked on Paypal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. I plan to file complaints if my account is not restored within the expected 72-hour window. Please forward this on to the correct internal department that handles PayPal accounts. I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. Sincerely.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-07-11
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I placed a money transfer order with Western Union on XXXX/XXXX/16 for {$1700.00} to help with my parents medical fee overseas. Western Union did not make the transfer and emailed me saying they rejected the transfer of the money and would refund my money in 3 to 5 days. 

It has been now 11 days and I still do not have my money back. I called them several times and each time they give me a different answer but the money has still not been returned to me and I do not have it.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (RI)

My wife 's business XXXX card was put in my name. I paid it off and asked COMENITY pay for XXXX and XXXX XXXX to close the accounts. My bureaus have been frozen for years but instead of making a hard inquiry and getting rejected they allowed my wife to use my social and income without my permission. I paid them in full filed disputes with XXXX, XXXX and XXXX XXXX and they still allowed her to reopen it. I wasn't present, my name and signature was forged and I told them but they still haven't closed it.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MI)

My XXXX  credit card was used fraudulently in XX/XX/2015. I had no idea the card was used. By the time I found out, I paid the balance but XXXX put a 30-59 day late on my credit report.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (WA)

On Friday, XX/XX/XXXX around XXXX a XXXX XXXX from XXXX XXXX called my mother and threatened to further escalate his attempts to collect on a past due credit card payment. He has also called other family members and disclosed that he is attempting to collect a debt. I called XXXX, a debt counselor, to assist me in managing my debt and they recommended I file a complaint. They said anyone calling to collect a debt may only ask if I am there and how to reach me, not disclose that they are collecting a debt and certainly not to threaten further escalation of said attempt to collect upon this debt.
Consumer complaint received 2018-05-16
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. (PA)

to whom it may concern upon further investigation, i have retained copies of my new credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law.you are required by federal law to place to a notice of dispute on my account within 30 days of my dispute which you signed for on XX/XX/2018. i have retained a copy of your signature and date of receipt, as well as a time stamped copy of my credit reports, showing that you have violated the fair credit reporting act, section 623 ( a ) ( 3 ) and/0r the fair Debt collections practices act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period i took the final goodwill attempt to have you clear up the matter the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any reporting agency without that such information is disputed by consumer ( b ) time notice ( BI ) the notice require under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p )
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am following up to update you on my recent complaint and to reiterate my dispute regarding certain entries on my credit report. To support my claim, I have submitted an Identity Theft Report # XXXX, aligning with the requirements of FCRA section 605B ( a ) ( 1 ) ( 2 ). This mandates the removal of any entries identified as fraudulent from my credit file within four business days upon receipt of ( 1 ) appropriate proof of my identity and ( 2 ) the identity theft report. The entries still pending removal are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I emphasize the four-business-day timeframe for the removal of these fraudulent entries from my credit file. Additionally, I request the avoidance of automated verification processes like XXXX and ask for the results to be sent to my provided address.
Consumer complaint received 2017-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

Case No. XXXX XXXX Filed superior Court of California , County of XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. XX/XX/XXXX Hunt and Henriques for XXXX credit card loan robo signing of lawsuit and improper notification of court action. promised to reduce pay off amount of loan and then transferred me to another person and refused to keep their commitment because they did n't like me personally. I paid off full amount by selling my home. they liened my home illegally. With the liens I could not refinance to a lower interest rate and afford my payments. I was on XXXX. I was homeless for a long time and that is why it has taken me a while to get this complaint filed. I paid off the debt in full when I sold my home XXXX.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

On XXXX 2015 I received a letter from Bayview loan servicing saying that my escrow was short XXXX. I called in XXXX to ask about making the payment and the representative told me that I could make the payment over the phone and she would make sure that it was applied to my escrow account. On XXXX XXXX I received a statement saying that my new payment would be XXXX starting XXXX XXXX. I immediately called to ask what the increase was for and at that time the representative told me that I had a shortage in my escrow. I then explained to her that I paid it in XXXX and she researched and found that I did pay the shortage over the phone and that she would request for the funds to be transferred to the escrow account and I should call back in two business days. When I called back nothing had been done. The new payment amount was still reflecting and I had to explain again what happened and the representative assured me that this would be taking care of. I called back a week later to find that still nothing had been done. I was told they were running a new escrow anlyst but still nothing has been done about this shortage that I had paid already. I called on XXXX/XXXX/2015 and I was told that someone requested for the money to get put back in my escrow account but the request was stopped and she did n't know why. I called back yesterday to be told by the supervisor name XXXX that I never paid the shortage. She told me that the company gave me a corporate advance because I had not made the payment and I explained to her that I made the payment in XXXX. I asked her to please review all the notes on my account as I have been calling all month about this issue. She told me that the last notes she saw was about me complaining about the escrow. This company has yet to fix this issue even though I have been calling about this all month. The have charged me for return check fee 's and there was no check returned. I checked my credit report and they have already reported the new payment of XXXX without even fixing my issue. This seems to be a XXXX violation. There seems to be an unwillingness to fix this on Bayview 's end and now this will impact my credit but I did make the payment. Please help me fix this all if my efforts have been ignored by this company. The other bad issue is if I would not have quested the new payment amount I would have been paying for something that I already paid for. 

My mortgage is under my maiden name of XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (CA)

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I have the copies of what I sent to Experian that I was disputing shower this is the second time that Experian has not replied within 30 days for XXXX XXXX, XXXX XXXX that I do not have an XXXX  in my middle name so the account is not mine from XXXX XXXX  and XXXX XXXX XXXX XXXX. All three letters were Dated XX/XX/2022 and All I have sent were DELIVERED LEFT WITH INDIVIDUAL, XX/XX/2022, XXXX XXXX, XXXX, TX, XXXX. Check the attachment for the tracking number. " XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX  XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX '' by me sending Experian letters that were DELIVERED, XX/XX/2022. It's been well over 30 days, and I still have received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian has 30 days to respond to my dispute.

This is a violation of my rights. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Write to
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

I just received a letter, from a second party debt collector ( all this company is a personal outside agency, hired to try to collect, a debt from a Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Massachusetts, toll free # XXXX.for Balance {$260.00}, dollar amount which I known for a fact that this is a scamming cocollection agency. when I asked him again can you describe what the service was that I should have received he just hung up the phone abruptly, is a lie, because I am a XXXX year veteran that only get medical treatment from the veterans hospital, and so then I got mad with the man because he insisted to remain ignorant while telling me I owe {$260.00}, & because I told him, this is bogus debt., Like I said earlier, that name of the company, '' is the Still man law office, llc,  then again I try to tell him this ... he quickly said that they was n't a real law firm, he hung up on me. my cell number is XXXX * home # is XXXX. please let me know the fastest way to repot this agency, I all ready know about requesting in writing within 30 days explaining the debt. it worked with other callers like this.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Consumer complaint received 2022-10-05
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX 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.
Consumer complaint received 2024-03-07
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)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2022-10-05
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX 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.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

Was the previous text lost? 

I had a completed modification and then approx. 2 months later ( XX/XX/2019 ) numerous changes were made to my ledger without explanation, causing my account to show past due. 

XXXX XXXX+ added to my balance, but then sometimes not on my balance. 

I have done a independent mortgage audit which they ignore. 

I have sent all my payments documentation and it does not get reconciled. They just keep sending me very small print ledger which not even my auditor can make sense of. 

There is what seems to be illegal action even documented on some of the paperwork they sent me. 

I can not get any help.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My family lives in XXXX and when XXXX attacked XXXX I was obligated to fly to XXXX to save my family and help them run from there to not to die. 
The situation was horrible there, the building were my family was living was bombed. I was there for couple months to understand what to do and was not able to make any payments from there due to internet and service problems. The payments were not going thru. I went there in XX/XX/2022 and came back to XXXX at the end of XXXX XXXX.I contacted XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  and explained my situation, but they were very rude and did not even want to listen what happened. This is discrimination against people who are in danger and war. It was not my fault that my payments did not posted from XXXX and they reported 30 days late remarks on my credit reports ruining my history and scores. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  have violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2018-05-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (NY)

I contacted XXXX XXXX they said they don't own this collection it belongs to cbe group. I don't own no collections I wa in jail. they say I owe XXXX I don't own this. Threatened will ruin my credit if I don't pay
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

A relative purchased a gift card for my birthday. Unfortunately, I lost this gift card. I was able to obtain the gift card receipt ( Proof of Purchase ). The gift card was purchased at XXXX grocery store in XXXX, VA. I contacted American Express and faxed over the documents in XX/XX/2018. I received a letter from American Express stating that they could not process the gift card and/or issue a new gift card. American Express has made the entire process arduous. I filed numerous complaints with the Better Business Bureau. Please reference Complaint ID : XXXX. I am requesting the assistance from the Consumer Financial Protection Bureau in efforts to obtain replacement card.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance Owed : {$480.00}, US DEPT ED XXXX Balance Owed : {$1000.00}
Consumer complaint received 2023-07-22
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: CITIBANK, N.A. (NC)

I disputed the XXXX balance on the XXXX XXXX XXXX XXXX  because it was open fraudulently. And they have yet to remove it from my credit profile. And I also disputed a XXXX balance with Macys because it was open fraudulently as well.