davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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 (NY)

I am a PayPal customer. My email is : XXXX On XX/XX/XXXX, I received an email stating that I can no longer use PayPal. No specific reason was given. After a review, we decided to permanently limit your account as we found potential risk associated with it. 

I was quite surprised because I have never had any issue with my paypal account. I checked the terms of service / service agreement and can not find any action the would constitute a violation. 

I called paypal customer service that day. The agent who took my call looked at my account and agreed that nothing at all in my transactions looked suspicious. He put in a request to have my account get a second review, as he thought this may have been a mistake. The ticket number on that is : XXXX. I have not since been contacted by anyone at PayPal about my issue. 

Since your email informing me that I can no longer use PayPal does not specify the reason why you believe there is a potential risk, I can not address the issue. But I can say that I have never had any problem with my PayPal usage. I can only guess that perhaps my usage internationally caused a concern. However PayPals own website promotes and encourages international usage. From your web page : We get where youre coming from. 
We are available in more than 200 countries/regions and support 25 currencies. Send and receive payments easily over borders and language barriers. Were here for you, wherever you are. 

I am XXXX XXXX XXXX and after retiring last year I am now able to fulfill my retirement dreams of traveling. Ive used paypal to pay merchants accepting paypal for such typical travel needs as airline tickets, airport car service, and internet access providers. Both countries Ive used PayPal in are listed as accepted countries on your website : ( XXXX and XXXX ). Ive never had a dispute with any merchant, never asked for a refund, never violated any conditions of use. 

I find PayPal to be my preferred method of payment for merchants who accept PayPal because it is convenient, safe and secure. 

What have I done wrong to have my account limited and not longer able to use your service? 

I would like very much to have the limit on my account removed so I can continue to use PayPal to pay for services. I assure you that I have done nothing wrong and my usage poses absolutely not risk at all. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2022-11-06
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: FactorTrust, Inc. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my creditXXXX XXXX  Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is 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 ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
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. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  

MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS XXXX


MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (ME)

Discover closed my account without an explanation and has been unhelpful since I opened the account. From holding my checks to not letting me deposit money from my XXXX. Also customer service was not helpful at all every conversation with them amounted to this bad thing is happening to you and there's nothing I or you can do about it. I would at the very least like an explanation Routing number : XXXX Account number : XXXX
Consumer complaint received 2022-11-06
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: ID Analytics, Inc. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2022-09-01
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: U.S. BANCORP (PA)

To whom it may concern, I received a call from a collection agency called XXXX XXXX regarding a credit card ending in XXXX with the U.S. Bank National Association for a charg eof XXXX in XXXX of XXXX. I do not own that credit card and never have. The card was used in XXXX XXXX XXXX. I live in XXXX, XXXX. I told the collection agent that she was trying to collect on a card that was fraudulently open in my name. I LATER received a letter from XXXX XXXX with instructions to call US Bank XXXX XXXX XXXX at XXXX with a file number and have not heard back. Please assist me with ggis as I have excellent credit and I am concerned about repercussions.
Consumer complaint received 2022-09-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. 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. 
XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX I sent my money ( {$2300.00} ) from my Venmo account to my friends Venmo after being told it was okay to do so. After I sent money to my friend account the following day the funds were returned to my account. Then my account became frozen with funds stuck into my account and I was told I cant get money out my account for 180 days because the Venmo account specialist said that was a violation of user agreement. I constantly contacted Venmo letting them know I need money to pay my bills and that I believe my account was frozen incorrectly because I was told that it was okay for me to send money to my friend. Company is vague with responses and told me that my account is closed and Ill have to wait until XXXX to get my money back
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Experian is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish this account : XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-13
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: Westlake Services, LLC (IN)

This company has been breaking consumer rights law and violating my rights for the past 6 months and refuses to comply with the law and fix their mistakes on my credit report. 

I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WY)

I am unable to create a login or access my credit information with Equifax. When I try creating a login I get an error of NH. Call customer service and they have no idea what the error means. Tried different search engines as they suggested. No go. After talking to many different customer service agents, a ticket was supposedly sent to their IT department for help. Never heard from them. 

After I signed up for credit monitoring with XXXX, I contacted Equifax to unlock my credit report. They were able to verify me and supposedly unlocked report. I waited a few months to see if I could now create an account. Still unable to. 

In the last week, I have applied to be pre-qualified for a new mortgage. Mortgage company informed me that they spent 45 minutes on the phone with Equifax and they were unable to find my report and verify me. Luckily my credit is very good and they decided to use the other two. However Equifax 's inability to verify my credit report has cost me working with two other companies. It's as if I no longer exist and needs to be fixed. 

Prior to Equifax 's breach, I was able to log in whenever I needed.
Consumer complaint received 2020-01-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

Set up 2 payments to get current and the bank is still harassing us and making threats. Im a XXXX XXXX XXXX veteran of the United States XXXX. I have scheduled payments, not sure what the issue is, bank is even harassing us on a Sunday!
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (GA)

XXXX did a back ground check on me and it showed up something that was not mine. I have never been convicted of a crime and i have never lived in XXXX AZ. I am XXXX year old and have never been in any kind of trouble. The case # is XXXX and is says it was a XXXX. 
Can you please get this fixed for me? 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MI)

The debt collector XXXX XXXX XXXXXXXX XXXX They already sued me for the balance of {$640.00} they said that I have been using the amount for my JC Penney credit card for shopping, the account does not apply to me because someone has been using my information my I.D, S.S, and opened this account in Nebraska XXXX and I never lived there before and that account has been opened my someone in XXXX Nebraska and the address was XXXX XXXX XXXX, XXXX, Ne XXXX and In the same year XXXX I was having issues for my federal tax and I have a case already with IRS so please investigate this problem. 
Thank You
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (LA)

I received a letter from a company called XXXX XXXX XXXX stating that they would obtain a judgement against me if I did not pay money to them for a collection account for PayPal within 30 days of a letter dated XX/XX/21 and postmarked XX/XX/21. 
1 ) Ive never had a credit account with PayPal and when I called the number listed I was on hold for 2 hours on three separate occasions.

This is harassment and a bullying tactic and I want this to STOP!
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting Act The XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2018-01-19
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. (MS)

After reviewing my credit report I noticed two inaccurate inquiries on there being reported by this company & the credit bureaus in which I have disputed them and put a fraud alert on my account as well with this XXXX XXXX company and all 3 credit bureaus is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the company never responded by mail. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX >  I have disputed these TWO unauthorized inquires for several months with no help from the company or credit bureaus. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent by mail to XXXX XXXX XXXX XXXX. I have spent the last two days over the phone disputing and arguing with representatives at XXXX XXXX XXXX XXXX (which is a third party for another company) that keeps telling me that they will not investigate these two inaccurate inquiries that their company requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or a Veterans home loan place. It is NOT my job to track all of these companies down. I put a fraud alert on my accounts for these are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that XXXX XXXX XXXX do their job and abide by the laws!! This company requested my information without my consent and they need to delete it!
Consumer complaint received 2022-09-01
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. (FL)

There is information on my credit report that is result of identity theft. I did not provided written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

date open is XX/XX/2014 bank XXXX XXXX
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

My husband who is recovering from a XXXX got a text which ended up being a scammer who stole {$990.00} from our joint bank account. He used fraudulent information and scare tactics. My husband got scammed. I have filed 3 complaints with Wells Fargo our bank and they will not return our money! This happened the end of XXXX. We have fallen behind on all bills since this. Wells Fargo said yes you were scammed but we will not refund you!
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Section 615 ( g ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m ( g ), requires debt collectors to notify third parties that a debt may be fraudulent or may be the result of identity theft. This notification requirement does not apply when the person collecting the debt is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information that would otherwise be required under other provisions of law applicable to them if the consumer wished to dispute such debt.
Consumer complaint received 2021-01-18
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. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION XXXX XXXX  Inquiry : XXXX XXXX, 2019, XXXX Inquiry : XXXX XXXX, 2019, XXXX XXXX Inquiry : XXXX  XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2022-09-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus reinvestigate the disputed account from my credit report as well as temporarily remove this account from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if this Account as this is inaccurate and outdated. There are many inaccuracies with the account : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the XXXX XXXX XXXX XXXX of XXXX! I am requesting that the Credit Bureaus provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$810.00}
Consumer complaint received 2022-11-06
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: ALLY FINANCIAL INC. (GA)

I have attached my driver license and social security card In accordance to the FCRA act, Ally has violated my rights for 6 months with all 3 credit bureaus.

15 USA 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states fa consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a_ Definitions, rules of construction Exclusio
ns-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for purpose.

Account is reporting with 2 different amounts of high credit Account is reporting with 2 different past due amounts Account is being reported with 3 different dates of last activity Account is being reported with 2 different dates of payment history If this is the same account being reported by the same creditor why are dates amounts, status of account all different Account Status is different with all credit bureaus : Reported as collection, charge off and write off/profit loss Inaccurate balance amount is reporting to 3 credit bureaus