davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

My paypal account has been permanently limited for absolutely no reason because i was carefully following paypal rules and i didn't broke any of them. 
I just received payments from friends and family on ( XXXX of XXXX ) the amounts are ( XXXX {$180.00} {$320.00} $ ) it was just a normal payment from my friends but suddenly on XXXX XXXX when i try to transfer money from paypal to my personal bank account they denied it and send an email that i'm no longer able to use paypal with no explanation why .so i called customer support for more than 3 times and every time they tell me that they're gon na get back to me within 3 to 5 days but they don't give any explanation on my paypal and they never get back to me
Consumer complaint received 2020-05-14
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXXXXXX {$1500.00} BANKRUPTCY CHAPTER  XXXX XXXX {$0.00}
Consumer complaint received 2023-01-09
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: CITIBANK, N.A. (CA)

I used my Citibank credit card on an order I placed on the XXXX website in XX/XX/XXXX. Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I went ahead and canceled the order and deleted the credit card from XXXX 's website the same day so that XXXX would not charge the credit card. 

As a precautionary measure, I locked the Citibank credit card through Citibank 's online banking website as well, because I had heard XXXX engages in deceptive marketing tactics. Citibank processed the unauthorized transaction after I had deleted the card from XXXX 's website. That is an abuse of my credit card.
Consumer complaint received 2023-01-09
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. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX on XXXX XXXX, I have also reached out asking them that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely XXXX XXXX
Consumer complaint received 2019-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ACCT # XXXX I demand the following accounts be verified or removed immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union LLC refuses to remove negative information on my credit report caused by identity theft while I was in XXXX. I was in XXXX  from XX/XX/XXXX through XX/XX/XXXX in New Mexico. I had no control over my financial accounts during this time period. This information on my credit report affects my FICO score negatively. 
XXXX XXXX XXXX  complaint filed : This message is regarding Complaint ID # XXXX Trans Union LLC Thank you for following up with XXXX  regarding your position in the above-mentioned dispute. 
We understand you are NOT satisfied with the businesss response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX   with its position. This matter is now closed in XXXX  files, and will appear in the companys XXXX  XXXX XXXX as : Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied.
Consumer complaint received 2020-06-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (OH)

Hi, I contacted Ability Recovery Services this morning about a debt on my credit report that I had previously disputed with both the agency and XXXX University where the debt originated. I clearly stated to XXXX the issue and provided proof, this was improperly transferred to collections. When I tried to communicate that this morning an exceptionally rude woman at the collections agency told me the debt was dispute but she knew it was legitimate. I explained it was not legitimate which is why I disputed it. She told me I had to prove it. I explained I had, and asked for the contact information for the university to see if there was another office I needed to go through. She was exceptionally rude and abusive and should be addressed as that is not the proper way to collect a debt. Additionally, she never verified any information, I never gave her any information and she never gave any disclosure that is given about " this is an attempt to collect a debt any info will be used for that purpose..etc ''.
Consumer complaint received 2023-01-09
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: Valor Intelligent Processing, LLC (TX)

THIS IS MY FINAL ATTEMPT TO RESOLVE THIS ISSUE AMICABLY AND OUT OF COURT! Valor Intelligent Processing PREVIOUSLY IGNORED MY INVOICE SENT CERTIFIED XXXX MAIL ( TRACKING # : XXXX ). FIRST AND FOREMOST IVE NEVER DONE A TRANSACTION WITH Valor Intelligent Processing SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. Valor Intelligent Processing HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! SECONDLY IF YOU DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS YOU ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS Valor Intelligent Processing KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. Valor Intelligent Processing REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXXXXXX XXXX  ), AND EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
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: Experian Information Solutions Inc. (CA)

Letter of Complaint : Refuse to Validate Debt Beginning in XX/XX/2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian does not respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with Experian claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Consumer complaint received 2023-01-09
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: TRANSWORLD SYSTEMS INC (TX)

THIS IS MY FINAL ATTEMPT TO RESOLVE THIS ISSUE AMICABLY AND OUT OF COURT! YOU PREVIOUSLY IGNORED MY INVOICE SENT CERTIFIED USPS MAIL ( TRACKING # : XXXX ). FIRST AND FOREMOST IVE NEVER DONE A TRANSACTION WITH TRANSWORLD SYSTEMS INC. SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. TRANSWORLD SYSTEMS INC. HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! IF YOU DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS YOU ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS TRANSWORLD SYSTEMS INC. KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. TRANSWORLD SYSTEMS INC. REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( ONE HUNDRED THOUSAND DOLLARS ), AND EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
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: PENTAGON FEDERAL CREDIT UNION (NY)

In XX/XX/XXXX I applied for a deposit account with Pentagon FCU, simply an account for savings. I did not apply for a credit loan or any other type of credit product. However, a Hard Credit Inquiry was placed on my credit report record with XXXX, as Pentagon improperly performed a Hard Credit Inquiry which has negatively affected my credit score. 

I contacted XXXX XXXX in XXXX of XXXX regarding this issue. 

I have also tried to correct this error by submitting a dispute on 5 different occasions, each time the credit search has not been corrected. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX My XXXX XXXX has been negatively affected as my credit tier should be higher to qualify for lower rates on credit products.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On the XXXX XXXX XXXXXXXX a transaction of XXXX was transfered to my credit card at a XXXX balance and never remburst. Then a lost cellular device and no Identification card left me XXXX and both my credit card and debit card would not transact correctly after my complaint. Then I a attempted to close my account and the refused and the social security office could not issue a payment card due to the routing number of my account was still active. I had to call the bank back reopen my account which they refused to close due to my deposits approaching XXXX XXXX then with a no notification my old debit card was blocked and I could not transact. the bank would not assist in person citing two pieces of id were required left me XXXX XXXX XXXX XXXX XXXX XXXX. I ordered a new debit card it came in the mail to a church and the bank refused to activate it. On XX/XX/2022 terminal number XXXX reported a XXXX balance and declined transaction. On XX/XX/2022 the same terminal reported on the receipt print out available balance XXXX and declined transaction. both after reporting inquiry approved.the error code XXXX, XXXX, XXXX, have all performed decline. I am citing fraud Because I opened the Bank of America account with the bank officer photographing my face in office and issuing my account three security questions to access my account. To resolve error transaction their agreement states to give my name and account number. I belive it to be fraud becuse my banking has had suspicious activity over their phone line XXXX which they claim is recorded, and the have allowed me to withdrawl with out id and change my online banking codes without id and now will not activate my debit card without id citing they can not verify who I am.
Consumer complaint received 2022-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XXXX of XXXX we charged 4 Round trip Tickets ( XXXX XXXX XXXX  ) on our Capitol One credit card for a trip in XXXX of XXXX to XXXX XXXX. Because of XXXX, in XX/XX/XXXX XXXX XXXX air cancelled our trip. We requested that XXXX XXXX air reimburse us for our tickets. We have been dealing with our reimbursement for approximately two years. During this time we have been asking Capitol One to assist us, they have been zero help. This morning XXXX XXXX air notified us that they reimbursed the credit card on XX/XX/XXXX for our 4 RT tickets. The amount of {$3600.00} has never been credited to our Capitol One credit card. We have continued to pay interest and the minimum payment. Today we requested Capitol One provide us a letter stating that they never received the reimbursement from XXXX XXXX XXXX They absolutely refused to assist us in any way.
Consumer complaint received 2021-04-03
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: CITIBANK, N.A. (CA)

Citibank double charged a dispute from me after four months of investigation for the dispute. After calling their dispute apartment for several times, they always said : '' Please call us later to track investigation. '' They are stealing money! The details are below : 1. On XX/XX/XXXX, I paid XXXX {$660.00} I paid off the balance as the monthly payment so the balance becomes zero from {$660.00}. 

2. On XX/XX/XXXX, I requested dispute against XXXX for {$660.00} because I don't receive the service from them. Citibank gave a conditional credit so my card balance becomes - {$660.00} ( citibank owes me money ). 

I didn't draw the money and patiently waited for dispute result. 

3. On XX/XX/XXXX, I found the card balance becomes {$660.00} from - {$660.00} and the dispute case is marked as resolved!! How come I suddenly owe citibank money? Even if the dispute got rejected, the balance should become zero from XXXX ( conditional credit ). 

After calling them for many times, they still asked me to wait a bit as they are investigating.. So they double charged me XXXX, made it due in XXXX weeks, and then asked me to wait for months for investigation? It doesn't make sense at all. What a sketchy department!! Give me my money back pls : )
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MN)

I have looked into my record online - I had asked for transcripts of the information from the insurance company that made fictional claims against me, and this has impacted me in such a negative way that it is impacting my quality of life. There is a company called lexis Nexis I've never heard of them- but I know that the information which is on my Vehicle Insurance history is false. It needs to be removed from my records that were falsified by XXXX XXXX XXXX about claims that I stated incorrect dates or made a fraudulent claim in which I had requested the voice recording and logs of the calls that took place between me and their company which they failed to provide such proof of the conversation happening between myself and XXXX  XXXX XXXX. I had asked them to remove these remarks from my insurance history, but they have failed to remove them. I ask that all negative remarks from XXXX XXXX XXXX and Incidents that were never made with them be removed from my insurance history records immediately. I am unsure of several remarks on my file which I do not know what they are. Please be careful when doing business with XXXX XXXX XXXX  they will drop you if you make a claim and don't want to pay it out or they will try to make you " say things '' so they do not have to cover the " claim '' and they will accuse you of making fraudulent claims - I dropped them when they tried to do this with me and went with a new insurance company.
Consumer complaint received 2020-06-24
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: EQUIFAX, INC. (GA)

I did not authorize the following inquiries so please remove them expeditiously. 

XXXX XXXX, XXXX XX/XX/20 XXXX XXXX XX/XX/20 XXXX XXXX XXXX XXXX  XXXX  XX/XX/20 XXXX XXXX  XXXX  XX/XX/20 US SM BUS ADMIN ODA XX/XX/20
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: FORD MOTOR CREDIT CO. (LA)

due to the immense impact of the notorious coronavirus some companies have accidently reported negative items on my report. i assure you i have been on time as i can and i should not be held responsible due to the pandemic.