davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
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 (MD)

my Paypal account email address is XXXX PayPal limited my access to my account and refused to allow me to withdraw my balance, and after contacting their poor customer service several times for over a year, they asked me to provide a copy of my id card and the current credit card statement of my credit card. As soon as I provided them with the information they requested, they sent me an email informing me that I can no longer use Paypal, After a review, we decided to permanently limit your account as we found potential risk associated with it.

I am not sure if they are making a mistake or what their reasoning for limiting my account and holding my money hostage for over 180 days. I have not done any illegitimate transaction and did not do anything other than selling used items on ebay and shipping them using paypal.

Paypal is hurting thousands of consumers using this same technique to profit from our money and generate profit. please help me access my money. 

the following is the content of the email they sent me : " You can no longer use PayPal. ( Ref ID - XXXX ) After a review, we decided to permanently limit your account as we found potential risk associated with it. 
As a result, we can no longer offer PayPal services to you.

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money.

If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds.

"
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I owed a amount to XXXX and the debt was forgiven due to a total and permanent XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aqua Finance, Inc. (SC)

I could not submit a complaint with XXXX it would not submit my complaint about aqua finance for the amount of {$7200.00} total payback the original loan amount was for {$6000.00} dollars, date of loan XX/XX/2012. Loan type : installment sales contract which is used for purchasing machinery or large equipment so I would like a copy of a deposit to my bank account for that amount or a copy of a cashed check, a copy of a invoice or title copy for any machinery or large equipment that a installments sales contract is used for, and I would like a copy of this installment sales contract and a deletion of this false record by aqua finance or they made some terrible mistake, but it is a defamation of  character to my credit record so can you help furnish proof of all the records I'm requesting?
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (PA)

They made my account inactive due to a dispute. I clearly made, well no alert no nothing just declined my XXXX out of no where. I call constantly was even asked to fax documents for over a week i sent them no word.. then I finally get thru on the call center they finally received my faxes after they even wanted me to send a format jpg thru a fax which made no sense my proof were all copied and faxed they finally approved it have verification its me and still no n time date stamp of when this may be fixed just a well we will get back to you or I can call. 

Why i have an available balance of just about XXXX .. if they can't reinstatement account clearly noone can communicate they hang up on you after waiting hours for an answer why not just send me a check of my final end balance my card should have never even been shut down let alone dealing with all this.
Consumer complaint received 2020-06-24
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX   XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, when attempting to go online to check statements and pay my bill, my login was blocked with a message that my account had been locked due to suspicious activity. I called the number Chase indicated and was on hold for XXXX minutes before I was connected to someone. The representative was unable to help me because the " XXXX XXXX XXXX '' was not available after XXXX XXXX. 

The next day, still unable to access XXXX ) my account ; XXXX ) get information about my due date ; XXXX ) or my current statement, I called into the various numbers attempting to gain access to my online account. I was able to confirm my card was still available for purchases, but my linked checking account and online ID were " restricted. '' Despite several calls, I was unable to reach the team until close to XXXX on XX/XX/XXXX. When the call back happened from the " XXXX XXXX XXXX, '' the rep disconnected the call because of background noise ( I was along a highway pulled over ). I called back to talk to a supervisor and was advised I could not have a paper copy of my statement or any other document. 

I called again on the morning of XX/XX/XXXX to the " XXXX XXXX XXXX. '' I was connected and discussed my case for XXXX minutes with a representative. Again, I asserted that I had the right to a paper statement since I was unable to access any of the electronic documents or make payment through the website. I was denied that request. In addition, I was told the only way to unlock my online account or gain access to statements, etc. was to go to a branch and present XXXX forms of ID. In addition, despite having authenticated with multiple individuals and having just provided the required ID at account opening for the checking account just XXXX weeks prior - I had to provide this documentation or I would not gain access to any of my accounts again. 

This is a clear violation of XXXX XXXX and other applicable regulations. If the bank does not provide access electronically- it is my right to receive a paper statement at my address that I can use to pay my bill. Even when I requested to close my accounts, I was denied that ability by the team. 

Chase can not hold my money XXXX and prevent me access to the tools I need to pay my bill and maintain my account- especially when it could impact my bureau reporting and credit record.
Consumer complaint received 2020-06-24
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: Ability Recovery Services, LLC (PA)

I have an alleged debt on my credit report reported by Ability Recovery Services LLC, stemming from XXXX University. I disputed it as it's older than 7 years and should not be on my credit report regardless if it's owed or not. I disputed it based on this. The response to the dispute was that they verified this item belongs to me. This does not address that it is older than 7 years. 

I submitted the dispute on XX/XX/20. I received a response XX/XX/20. 

XXXX also has accepted and closed the dispute, even though the response does not answer/resolve my dispute.
Consumer complaint received 2020-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I have been paying {$670.00} since XX/XX/XXXX. Prior to that, I had been paying more than the monthly payment when I found out that none of the overpayment was going to additional principal, but instead was going to future payments. To my surprise, my current statement for XX/XX/XXXX still carries the same principal Balance from over two years ago. Apparently, I have been making interest only payments, and none of the required payments have been going toward principle.
Consumer complaint received 2020-08-24
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. (FL)

Recently I established a credit report account with XXXX to see my current credit score and was surprised with countless fraudulent and false accounts that weren't done with my consent. I sought legal counsel to further educate myself on such crimes because it is the first time I experienced such fraudulent activity. In my country there is no such crime due to the lack of resources so apparently I would like to see these accounts removed from my credit report because they weren't my doings. I am extremely shocked and embarrassed to learn that people can be victims to such fraud without having any physical proof of identity to attain such accounts without legal consent. Please again remove these false items from my credit report as soon as possible. Thank you!
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

Payment details Statement descriptor XXXX Amount {$1200.00} Fee {$50.00} Net - {$50.00} Status Disputed Description ( Booking # XXXX ) XXXX XXXX 2-bedroom for XXXX I own a condo in Florida which I XXXX out to vacationers. I had a person reserve 2 of my busiest weeks in XXXX. She booked in XX/XX/2020, knowing well that the COVID was in effect. She signed my legal agreement stating that there were NO refunds if you cancel before 60 days. She agreed to all terms. Then she decided 2 weeks prior to arrival that she wanted to cancel. I explained in many emails that I would not be able to provide her the amount back but offered to refund {$150.00}. She decided a few weeks later to dispute one of the payments of {$1200.00} to her bank Chase. I used XXXX as a merchant account and I followed the procedure with 8 pages of  documents in favor of my case. Chase bank did not even look at the contract that she signed agreeing to no refunds, but she won the dispute. I contacted XXXX to help me and they said they can not do anything to help me as the merchant. This is so fraudulent and she is going to do this again. I think Chase bank needs to review my case again, but I do not know how to do this. I do not know if you can help me. Chase bank is the problem allowing card holders to rip off businesses.
Consumer complaint received 2021-01-13
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. (AR)

I have to file a complaint with Equifax, XXXX  and XXXX. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All XXXX agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. Thank you.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I was charged {$3100.00} by a merchant called XXXX in XXXX XXXX XXXX XXXX ago on XX/XX/XXXX. This was a fraudulent transaction, and was one of many charges on multiple cards that i have disputed with multiple companies over the last year. All have been resolved except this one. 

I spoke to Barclays the very next day and explained it was fraudulent and the only thing I purchased from this merchant were a couple beers ( total should have been approximately {$8.00} ). I have since filed at least 4 separate claims with Barclays, and have spent at least 30 hours on the phone with Fraud Investigators, and other Customer Support Representatives from Barclays. The most recent denial was sent to me on XX/XX/XXXX stating that they are denying my claim because too much time has passed. I have stayed in constant contact with Barclays over the last year fighting to get my money back. I have been promised that it would get resolved, and have been asked to be patient over and over again, while there is no evidence that they have done one single thing to attempt to contact the merchant or verify the charge. 

This merchant, called XXXX XXXX in XXXX XXXX was across the street from my hotel. Upon a quick XXXX search of the bar, you can see hundreds of reviews stating the criminal nature of the establishment and dozens of detailed examples of assault, kidnapping and fraud that has taken place there over the last couple years. The hotel concierge told me to not go back there to seek a refund, and also told me that the police would be a dangerous route as well. They advised that I simply deal with my major credit card providers and be happy that I was relatively ok after being XXXX XXXX XXXX as I was. 

Barclays should have record of dozens of calls that I have made to them to try and resolve this. The Ivestigator refused to XXXX the merchant when I talked to them and instead told me that I have to get 'documentation ' or they could do nothing to help me. 

I truly feel this could have been resolved with proper support and a brief investigation, but believe nothing was ever done to protect me as a XXXX year customer of Barclays. 

Thank you for you assistance.
Consumer complaint received 2020-08-24
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. (GA)

The credit report is showing that Im in an active bankruptcy which it was discharged last year in XXXX. I tried numerous of times to dispute with no answer back from Equifax. They are intentionally not completing my disputes which is harming me from getting a mortgage.
Consumer complaint received 2019-06-07
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 AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED MY FTC REPORT TO EQUIFAX NUMEROUS TIMES I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) TO BLOCK THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX Capital One Account XXXX and XX/XX/year> are reporting late payment history, i was not able to access the account because it was on a " fraud lock '' I never gave my permission or written consent to allow this reporting, which is of false nature. 

I disputed with the company directly, but they didnt respond.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following account XXXX funding XXXX {$16000.00} XXXX following address XXXX XXXX way XXXX XXXX west XXXX XXXX FL XXXX.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report.

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NJ)

I ordered a XXXX XXXX on my wells fargo credit card and I received a tracking # for my order shortly after, after contacting the merchant to cancel the order when I never received my item in a reasonable time frame, I was sent an item [ tee shirt ] in a matter of days with the tracking # that was supposed to be a XXXX, after contacting the merchant I was told by them that my item was sent with the tracking # that was sent to me which is not accurate.I contacted my wells fargo credit card company explaining in detail the events that transpired with pictures of my original order for a XXXX and pictures of the small envelope that a tee shirt was sent to me in. Wells Fargo SEEMED to understand the details of the deception the merchant created in trying to secure payment for a much cheaper inferior item I did not order. I today [ XX/XX/2022 ] received notice my wells fargo credit card company closed my dispute in favor of the merchant because the company provided a tracking #. I never said I never received a delivery with the tracking # provided to me but I did not receive anything remotely close to the item that was ordered by me. I believe wells fargo did not investigate my dispute for the reasons I detailed to them in my original statement and feel they are NOT protecting me as a consumer for fraudulent/ deceitful acts by a corrupt merchant. wells fargo does have relevant pictures and documents of original order and deceptive shipment that was sent to me.
Consumer complaint received 2019-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

Over a year ago I paid a year in advance for a web site hosting plan. After a few months and not completing the proposed project I took the lose and moved on. Then, out of the clear this hosting service tried to bill me for another year, in advance, for their service which I did not need. I contacted this company several times explaining that I no longer need or wanted their services, to no avail, as they never responded to my emails. Finally I called the company and the man I spoke with apologized and said he would clear their error. Shortly after this I noticed that this company charged my account. I called the bank, Chase, and explained what had occurred. They returned the funds to my account. Then last month the bank paid this hosting company again. Enough is enough! It appears that their customer service personal, located in 'never never land '', need better supervision. So, here I am again dealing with more foreign incompetent personal.Yikes!