davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-21
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: ENCORE CAPITAL GROUP INC. (MI)

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then XX/XX/XXXX submitted a police report about my identity theft, dating back to XX/XX/XXXX of an incident of my identity theft, which brought every account into scrutiny as to whether the entire account was invalid by being created with using my personal information or portions of the account 's balance being a cause of identity theft with unwarranted charges to the account. 

Since then XXXX, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX, which suggests that identity theft was possibly at work behind those accounts that were deleted as result. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). 
I have reason to believe that because there is no valid response since XX/XX/XXXX these accounts I am disputing may also have some involvement of identity theft as well. 

Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, XXXX, and XXXX Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX XXXX with account number : XXXX MCM account Number : XXXX Current Owner : Midland Funding LLC If  any of these are reported on XXXX, XXXX, and/or XXXX  can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus and have Midland Funding LLC, XXXX XXXX, and XXXX XXXX XXXX, XXXX. to desist from their bullying efforts according to Fair Debt Collection Practices Act ( FDCPA ). 
Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc ()

Dear Sir/Ma'am, Good day! 

I am writing a complaint to your good office because of this reason, on XX/XX/XXXX, I received an email from PayPal and was notified that I violate Paypal 's acceptable policy. 

I was confused and devastated when I've learned that I can no longer withdraw my funds, below is the breakdown : XXXX XXXX XXXX EUR XXXX USD Coming from a third world country, the fund that was placed on hold for 6 months is very crucial for our daily lives since I am the bread winner in the family. 

I appeal and seek your assistance and I hope that you could help me and other people who faces the same issue of mine. 

Thank you. 

Kind regards, XXXX
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a XXXX resident since 2006. As a result of a mortgage interest statement, the state of XXXX determined that I must have earned XXXX. revenue. My accountant and I responded and the state determined that no other action was required. However, a lien was already placed on me and I can not get it removed. Included is all of my documentation. I have divorce documents showing ex wife 's ownership of home in question.
Consumer complaint received 2022-05-14
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX since 2020. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2022-05-14
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 up to present My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 
For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CT)

Hello, as I continue to research my rights, I find Ive been exploited and taken advantage of by various companies. The company I am seeking relief from is Discover Bank. I opened a secured credit card XX/XX/21 with this company. A secured credit card is permissible by me providing the amount of credit allotted to me. I had supplied the {$500.00} for the {$500.00} line of credit I received. Long story short, I came upon financial hardship especially due to COVID 19 and how it affected my working hours. I missed some payments and Discover Bank closed my account due to this XX/XX/21 and also is attempting to collect {$670.00} from me per my consumer report which may be false as I havent received any statement from Discover Bank. All in all, how am I being charged anything when I gave the initial {$500.00} of credit in addition to my open end credit card aka my social security number. This company has received their payment and they are trying to take advantage of me and get more payment for money theyve already received. Also closing my account due to me having difficulty paying on the account due to COVID 19 and negatively impacting my credit score when again this company is not in any deficit with my account. This is not right and now I am seeking a just remedy to this issue.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX TX XXXX appears on my credit report. I have never lived at this address. This a fraudulent address that needs to be removed immediately!
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( selling e-book, digital product, freelance ) since ( XXXX ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I mailed EXPERIAN a letter stating that per the consumer law 15 U.S.C 1681i ( 7 ) Method of verification they were required to send me the documentation of how they validated/ verified the alleged date, the name of the person who verified the debt and other required information and they failed to provide me with that information. They are now in violation of my consumer rights.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The XXXX account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my XXXX account. They don't have physical locations in XXXX so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.
Consumer complaint received 2019-07-21
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. (FL)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2023-04-11
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. (SC)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureause stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under : 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 2022-05-14
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 ()

I believe that it was a mistake to close my papal account. Im using my paypal account fir my online business since XXXX.my paypal account XXXX has stucked funds in it that i have to withdrawn asap fir emrgency porpuses. Im hoping that i will get my account back and able to withdraw my funds. Thank you and god bless
Consumer complaint received 2022-05-14
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX 's XXXX since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2022-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

XX/XX/2022 Amount Owed : XXXX Truist Bank XXXX I'm having trouble paying my mortgage due to the covid-19. I am also XXXX but I still work XXXX  XXXX XXXX XXXX. I do not want to lose my home in Texas Homeowner Assistance Fund Program and they are not returning my phone call. XXXX. I did what I was supposed to do when it was time to apply for the funding in this been 3 months and nothing ( Texas Homeowner Assistance Fund Program-Covid-19-Case:XXXX ). 
Be safe and Be Blessed, XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromExperian, I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX XXXX  on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX XXXX XXXX in the past XX/XX/XXXX. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I went to Bank of America, XXXX XXXX, California branch to open a bank account for my business. In the middle of the opening the account, the business banker whose name is XXXX XXXX asked me whether I need a credit card for my business. I asked him whether this might cost anything or harm anything, he said no. I said that's fine, even though I did not actually need such a credit card. 

Later I found out that he hard pulled my personal credit to open this business credit card for his commission or performance purposes. He did not 1 ) informed me anything about this credit run ; no notice at all ; 2 ) he did not pull business credit first. I would not give permission to have Bank of America run my personal credit if I knew this was a condition to get a credit card. I did not need this credit card at all in the very beginning.

I found this out because I am in the middle of closing an escrow for an investment property, and the loan company found that there was a credit inquiry on my records, and they wanted to delay the closing because of it. The locked rate is about to expire, and the new rate would be much higher than the locked rate. 

I am seeking damages from Bank of America. 

This branch turned out to take advantage of ignorant new immigrants as a common practice; tricked new immigrants who were not familiar with compliance laws at all to open credit card without acknowledging them about the credit hard pull. 

In addition, the BOA banker XXXX XXXX sent harassing languages to me by messaging.
Consumer complaint received 2022-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I had did a test with XXXX XXXXXXXX XXXX on XX/XX/2021 and paid with my card. 
However, in few days I started getting text on my phone regarding bill payment from services availed to XXXX XXXX 

MIND, I HAVE NEVER BEEN TO XXXX XXXX. 

THEY STOLE MY INFORMATION and started sending text and later followed by mails from CCS. 

Looks like its a spam and hence want to report it here.
Consumer complaint received 2022-05-14
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. (ND)

I DISPUTED WITH EXPERIAN ON XX/XX/2022 TRYING TO GET INCORRECT PERSONAL INFORMATION AND ADDRESSES REMOVED AND THEY REFUSED TO MOVE IT. ACCORDING TO 15 U.S.CODE 1681 I DIDN'T GIVE ANYONE WRITTEN CONSENT TO FURNISH ANYTHING ON MY CREDIT REPORT
Consumer complaint received 2022-03-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: UMB FINANCIAL CORPORATION (IA)

I worked at a company for 4 years which had a health savings account option. I opened an account and had allocated a portion of my earnings to be put into this pre tax health savings account. I left the employment back in XXXX and had instructed my employer to close out any and all of my accounts that were in any way related to my employment. I believe in either XXXX or XXXX I received information regarding a new account and them charging me XXXX a month. I called and told them that I wanted the account closed. No information was provided, a check was never received and recently I got another statement still deducting the monthly fee. I called again and this representative although she was as rude as the first told me what I needed to do. These instructions or the form that needed to be filled out were never provided to me. They had to order me a new debit card so that I could use the remaining funds for medical bills. Otherwise I was told they could send me the money but there would be a XXXX fee to close the account. I was never informed of these disclosures and never authorized the funds into this account where I was charged the maintenance fees. There was no benefit for me to have this account and should have never been opened without me being advised of the same.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (SC)

I reviewed my Consumer Reports and noticed that there are XXXX inaccurate hard inquiry on my credit report. 

XXXX XXXX Inquired on XX/XX/2023 XXXX BANK Inquired on XX/XX/2023 Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX i sent experian a dispute letter stating i found several discrepancies on my credit report. i stated in the letter to fully validate the information in the letter and if they could not validate the information to remove anything they cant provide signed. experian is required to delete items if not verified according to FCRA XXXX provisions. On XXXX XXXX they asked me to upload documents online to verify my identity. I uploaded the information and still nothing validated or deleted. On XXXX XXXX, i sent a second round of dispute letter asking for full validation of accounts on my credit report. Experian is violating the 15 U.S.C 1681G law violation.