davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-17
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: Westlake Services, LLC (NJ)

I DISPUTE THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORT * XXXX XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX * XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. I DID AUTHORIZE ANY OF THESE COMPANIES TO RUN MY CREDIT. Please investigate and remove any unverifiable inquiries.
Consumer complaint received 2022-11-30
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 ()

the short of this is PayPal has a XXXX account that I closed at the end of XXXX or the beginning of XXXX just before I left the country to live in XXXX XXXX in XXXX of XXXX as still active. 

On XX/XX/XXXX, I discovered that this account was not closed!? Details of this I won't go into here. To me, it is not relevant but if you need that information you can ask. 

I have contacted PayPal several times including calling what XXXX shows as the corporate offices ' number of ( XXXX ) XXXX and attempted to get them to close the account, and delete it but they refuse to do so. They have told me they could go in and remove the limitations and delete the account but they won't do it. They claim there are limitations on the account, put there by PayPal and they claim that they " Can't close or delete the account until those limitations are lifted '' but they refuse to lift them and remove the account and the information that they want to lift them I don't have all of it anymore as I am not in the XXXX and do not have that bank account or live at the same address or know what they were. 

For the last 5 years, I have been under the impression that this account was closed as I closed because Paypal said the account was a XXXX account and when I moved to XXXX XXXX I would need to create another account from the country I moved to, and now I find out it was never closed, or so they claim? There is no reason for them to refuse to remove the account know? 

They have said they could remove the limits and delete it they won't. They're refusing to do it and I would like some help in getting past the people on the phone to higher-ups to get this account that should not exist removed from their system.
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MA)

On XX/XX/2019 Citi Bank Home Depot XXXX XXXX illegally charged my account 25.99 % interest over a period of about 15 months until I found out on XX/XX/2019. I sent out my 93! demand letter asking for the total amount being charged. and Why? I believer All my purchase on the card was under the promotion of 0 % over the period of 12 months or 6 months. When I purchased. I immediately set up with XXXX  XXXX XXXX on line pay. I set it up 10 equal payment on a 12-month promotion and 5 months equal pay on a 6 months promotion and forgot about. I never received any reminder orwarning regarding the extremely high interest, which according to consumer protection law is illegal! 
I asked the customer service what is my balance that. He gave me {$27000.00}. I immediately ACH the full amount via XXXX XXXX business checking account, XXXX proof attached ). I have never received any response to my XXXX demand letter. According to the law. City Bank Home Depot XXXX owe me triple damage. I have the letter to the City Card I would have to take legal action as soon as the Court opens. But when I learn the CFPB, It want to get this free help first. 
City Bank illegally ACH my account a few times without my knowledge and consent until I find output a stop on it. It looks like all the banks using the same ACH agency steal money from consumers just because it has access via online payments, but its not the permission to let you ACH. My online pay with XXXX  XXXX XXXX is only for reminder of myself to check to pay the bill. I do not give anyone permission to ACH my account. I find out the hard way, Steal from my account, even for some already closed accounts with zero balance being ACH my old {$20.00} to {$25.00} pay-setting I always use but I ve never pay the minimum amount. That was just a reminder so I do not miss my payment. But I must personally examine the accuracy before I pay in Full. I want all illegal interest charged on my account be fully refunded> Please help me.
Consumer complaint received 2021-04-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IN)

THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Consumer complaint received 2021-04-22
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: JPMORGAN CHASE & CO. (KS)

I received a recorded call on XX/XX/21 stating that a purchase had been made on my Amazon Chase Visa card in the amount of {$270.00}. I have not made any purchases from XXXX since XX/XX/XXXX and it was less than {$30.00}. I contacted XXXX to verify the charge and was told : ( 1 ) the call was a scam ( 2 ) XXXX does not call customers ( 3 ) follow a link to make this claim. The scam call phone number began with XXXX area code and was repeated so fast that I could write it down.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I received a bill from debt collector Transworld Systems , Inc for an invoice ( XXXX ) issued by XXXX XXXX XXXX XXXX for the amount of {$180.00}. After talking to both debt collector and XXXX I'm able to get original invoice which is not billed to me but to XXXX INTERNAL SORT ID ( for {$160.00} ), a company that refused to pay the bill. Since I'm the receipient of the service ( a package ) they are now trying to collect their debt from me. But I never received any request for payment from XXXX. When I try to pay the original invoice that XXXXXXXX XXXX XXXX XXXX refused to pay, XXXX doesn't accept payment because it has been sent to collections agency. When I try to pay Transworld Systems , Inc they don't accept the original amount because they want to collect their fee. So far I have refused to pay anything other than the original amount. First I'm not the party with the debt, second I've never given a chance to cover the bill. I'm willing to pay XXXX expenses for the service, but not give any profit to any other company.
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I started to complete online information about my property on or around XX/XX/2021, however, I did not submit it. However, the system recorded some of my information, and I was contacted by Quicken Loans. My hesitancy was that I did not want a HARD hit on my credit report since at the moment my property has no equity compared to its market value. Well, to my surprise a Quicken Loans agent contacted me, and explicitly communicated to him that I did want a hard hit on my credit report knowing the above information. The creditor 's agent, Quicken Loans assured that he would access my report with a Soft hit. My credit report was locked and it took a couple of days to unlock due to technical difficulties.To my dismay, and frustration I received my monthly XXXX report and it indicated a Hard hit on my credit report by Quicken Loans on XXXX XXXX. I contacted Quicken Loans and escalated the matter to which they replied it would take a few days to research. The representative contacted today Thursday XX/XX/2021 to inform that they could not remove it. I NEVER agreed to a Hard hit on my report I responded. He informed me there was nothing else he can do until it is escalated. This was a misrepresentation by the creditor 's agent in order to access my credit report, and afterwards tell me that I did not qualify for anything.
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (SC)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.
Consumer complaint received 2021-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (FL)

Please see all attachments listed from : AAA1, B2, C3 E5, F6 Concerning Aqua Finance, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX  Secure / ( XXXX XXXX XXXX XXXX ... by using a falsify document from her business partner XXXX XXXX XXXX / ( XXXX XXXX XXXX ... noted both name are on document 6 of 8. 
See attachment : A1 - page 4 - 8.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IN)

PayPal and PayPal Credit are trying their best to cheat customers. If you have accounts that are a promotional purchase and have a period of time to pay before interest is charged and you make a payment they will only apply your payment to the most recent purchase and not apply any payment to the oldest balance in hopes of you not being able to pay off the promotional balance before interest will be charged. Say you have a promotional balance of {$500.00} and you have 24 months to pay off the balance and a minimum payment of {$30.00} is due each month and you have a balance on a purchase of {$200.00} that is to be paid off in 6 months to have no interest charged. You make a payment of {$200.00}, enough to cover the {$30.00} on your 24 month account + {$170.00} to pay on your 6 month no interest account. Syncrony Bank who handles PayPal Credit accounts will apply the entire {$200.00} to the 24 month account and XXXX  to the 6 month account in hopes of you not being able to pay the 6 month account and end up having to pay a large amount of interest.
Consumer complaint received 2021-02-20
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: GOLDMAN SACHS BANK USA (CA)

XX/XX/XXXX - A purchase of {$380.00} was made on my Apple Credit Card ( Goldman Sachs ) was made at XXXX at XXXX XXXX  XX/XX/XXXX I noticed a fraudulent charge of {$380.00} and immediately contacted Apple ( Goldman Sachs ) customer service at XXXX XXXX. I informed them that I've never made any purchases to this merchant. The full amount was credited back to my account and my credit card replaced. 
XX/XX/XXXX - Two new charges appear on my credit card, one of {$140.00} and another of {$230.00} totaling {$380.00} equal to original amount. I immediately contacted Apple credit card to dispute the charges one more time with XXXX. The amount was returned and a fraud investigation was underway. 
XX/XX/XXXX - I received an email with the transaction dispute resolved in favor of the merchant. The email states that sufficient evidence was provided by the merchant that Ive made the purchase. I called Apple credit card customer service once again to only dispute the transaction of {$140.00} and to request the documents of the results of the investigation. The Apple card specialist named XXXX at Goldman Sachs informed me that the documents would arrive in 1-3 business days. The documents never arrived after said time. The amount of {$230.00} remained credited and a temporary credit of {$140.00} was returned to my credit card. 
XX/XX/XXXX - The dispute made back in XX/XX/XXXX was again resolved in favor of the merchant for the same reasons stated above. The fraudulent amount of {$140.00} was charged back to my credit card and I received an email stating the same outcome. I contacted Apple Credit Card again to dispute the same amount of {$140.00} of part of the fraudulent purchase made at XXXX back in XX/XX/XXXX. I spoke to a fraud specialist again who repeated the same steps above and suggested to dispute the charge again with an unknown outcome. I requested the documents of the dispute and the specialist said that I will receive them in 1-3 business days. I told the specialist to leave the charge this time, and now, I'm filing this complaint.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello cfpb, I hope you're all doing well, I'm contacting you because recently I'm having a problem in my PayPal Account which they sent me an email just today XXXX XXXX saying " After a review, we decided to permanently limit your account as we found potential risk associated with it. 

You'll not be able to conduct any further business using PayPal. 

Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. '' But in my case I didn't do anything that broke PayPal rules and user agreement as the money I received " XXXX $ '' on XXXX XXXX was from XXXX of my friends to help in my hospital expenses as I'm sick no and another payment in the same day XXXX $ which was from another friend so I tried to withdraw my money from PayPal but suddenly I received today the email that I didn't even expected because I've been using PayPal for a long time now without any problem so I called their customer support but they said they can't do anything and they didn't give me any explanations about why my account limited for 180 days and I can not transfer money to my bank account till after this period but I told them that I really need my money now to pay my hospital expenses but they didn't care although I didn't do anything illegal through my PayPal account and my informations are 100 % real but I don't agree with this decision so I want my account to be restored so I will be able to get my money as soon as possible Thanks.
Consumer complaint received 2021-02-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (FL)

IM BEING SUED BY WESTLAKE FINANCIAL BECAUSE I COULD NOT FINISH & PAY OFF A CAR LOAN BALANCE OF XXXX FOR A CAR PAYMENT AFTER THEY REPO MY CAR AND SELL IT & I SEND THEM LETTER ASKING FOR A REAL CONTRACT NOT A COPY AND THEY SEND ME A COPY OF A CONTRACT & THAT I DON'T HAVE A DEBT & IT ALREADY PAID UNDER THE LAW 15 U.S. Code 1692g - Validation of debts PLUS I HAVE COURT DATE ON XX/XX/2021 ON XXXX
Consumer complaint received 2021-02-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.
Consumer complaint received 2019-03-26
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. (TX)

I have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was incarcerated from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.
Consumer complaint received 2022-03-01
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TN)

On XX/XX/XXXX at approximately XXXX I used U.S. Bank ATM XXXX XXXX XXXX XXXX TN, to try to withdrawal XXXX $ and it did not dispense my cash. Said the atm timed out and it would not charge me but yet my account was debited XXXX $ XXXX called my bank and I was told I had to wait 7 to 10 days to file a dispute to call the bank of the atm. U.s. Bank told me since I wasn't a customer of theirs, there is nothing they can do to file a dispute with my bank. 
So I have to wait 7 days to file the dispute on top of that wait however long it will take to do the investigation. The problem with that is my bill that is do tomorrow is not going to wait. I will receive late charges, and depending on how long it takes possible disconnection. ( even if I get my money back because I have read several complaints of people who has deposited and the money was not credited to their account as well of others saying they did not get their money after the atm did not dispense from U.S. Bank ). I'm beyond livid. I'm very limited to money because of Pandemic. I should not have to wait weeks for a error of U.S.Bank
Consumer complaint received 2021-02-20
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 (FL)

Paypal closed my account for no reason and will not help me get it back up and going, i'm not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report here as i feel they are not doing thier job properly and it is affecting me a great deal as i used Paypal frequently .The email attached to my Paypal account is XXXX XXXX
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I have been a Citibank client since XXXX, first abroad and then in USA. 
I currently have 3 accounts ( 2 savings, 1 checking ). 
Since XX/XX/XXXX, the online access of my accounts has been constantly blocked by Citibank, for reasons nobody can really explain. 
I have contacted my Executives ( Mr. XXXX, Mrs. XXXX ) many times, and still the problem returns. 
I am a hard worker person ; I travel, I need my accounts to work. 
This has caused me many problems : -Damage of my credit and reputation, because I have been late on payments due the lack of access to my accounts. 
-XXXX  and XXXX. 
-Waste of my time and money ( late fees paid ). 

I have answered ALL the questions the bank has asked me. They say all is my fine, and still, Citibank blocks my accounts ; and then every time, I must go through a long process : phone calls, change of IDs, passwords. 
At the moment I type this, one of my accounts has been blocked ( not online access ) for over a week. 
Who is responsible for the all above damage?