davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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. (WI)

In XXXX XXXX XXXX  XXXX attempted to charge me almost be double for the XXXX XXXX XXXX I received. I only used {$600.00} on the card, but they ballooned the charges to {$1500.00} in XX/XX/XXXX, so instead of paying, I called to ask where did the other charges come from. In XX/XX/XXXX, I started back paying, but by XX/XX/XXXX, I noticed they did not take the other unauthorized charges off, so I stopped paying and ask them to settle this in court. 

Since XXXX they have reported this to XXXX XXXX, XXXX, Experian as a charge off. 
However when I tried to pay the actual amount owed on several different occasions by calling XXXX XXXX XXXX, they refused and stated the account was in collection. 
I called the collection agency, they said they sent it back to XXXX XXXX XXXX. 
XXXX XXXX XXXX stated there was nothing they can do, not even accept my payments of the actual amount owed instead of the bogus inflated charges XXXX XXXX, XXXX, and Experian have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights.

Under 15 USC 1681 section 602 States that I have the right to privacy.

Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a XXXX XXXX card from Capital One, and they are not abiding by the card terms re the {$300.00} annual travel credit. 

One of the advertised " rewards '' associated with paying ( currently ) $ XXXX for this card is a {$300.00} *annual* travel credit that can only be used at Capital One Travel... In order to help cardholders keep track of this important annual benefit, Capital One has a tracker on the their website that tells you whether the annual credit is available, how much has been used and when the annual credit resets. 

During my first year, I received the credit after making a booking, although Capital One had some operational issues and made a bunch of credits/debits, which I reasonably assumed they managed to do properly. 

Following my first card anniversary, I checked the tracker ( see screenshot ) that indicated the full {$300.00} credit was available, and on that basis I booked travel ~ {$320.00} at Capital One Travel, which I would not have otherwise used but for the credit. After waiting ... and waiting ... and there being no credit, I called Capital One who told me to wait some more. Still no credit, so upon calling again they said they would investigate. 

Their investigation concluded that due to their mess-up with the credit/debits during the first year, Capital One would not honor the annual credit this year, notwithstanding their website telling me ( and continuing to tell me ) the full {$300.00} annual credit was ( and is ) available.
Consumer complaint received 2023-08-24
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 (HI)

To the PayPal Appeals Team, I hope this message finds you well. I am writing to address a recent development regarding my PayPal account, which has been permanently limited. I believe that this limitation might have been the result of an unfortunate misunderstanding or error. I would like to appeal this decision and kindly request a re-investigation of my case. 

I would like to emphasize that, to the best of my knowledge, I have diligently adhered to all PayPal policies and guidelines. I have not engaged in any activities that could violate these terms. The limitation on my account has come as a surprise and I am deeply concerned about the implications it holds for my financial transactions. 

Given the circumstances, I am kindly requesting PayPal to conduct a thorough review of my account 's history and the factors that led to its permanent limitation. If any irregularities or concerns are identified, I am committed to addressing them promptly and effectively to ensure the integrity of my account. 

The email address associated with my PayPal account is XXXX. I urge PayPal to consider my track record as a responsible user of your platform. I value the services PayPal provides and have always used them judiciously. 

I understand that maintaining a secure and trustworthy ecosystem is of paramount importance to PayPal. I share these values and am genuinely invested in resolving any issues that have led to my account 's current status. I kindly request PayPal 's understanding and assistance in re-evaluating my case and potentially restoring my account to its full functionality. 

I appreciate your time and attention to this matter. I eagerly await a positive resolution to this situation. Please feel free to reach out to me at XXXX for any further information or clarification you might require. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (WA)

Regarding my Apple Card from Goldman Sachs, I have had this card for years and have built up my credit limit. Its my primary credit card. I added my partner to the card as a co-owner years ago. My relationship with my partner is now over and we both agree that she should be removed from the Apple Card. There is no way to do this. The account must be completely closed and if I wish to, I can re-apply for a new card. This creates more than an inconvenience and I argue is an undue burden on the consumer. I am unable to keep the credit I built, I have no guarantee I will receive the same terms when signing back up, and I could even be rejected for a new card, losing my primary line of credit Ive used for years. Closing and re-applying would negatively impact my credit score and would cause me to need to reconfigure recurring payments I make using the card. There is also an attached savings account I would lose that only I can manage ( the account co-owner does not have access ). Given the burden of this process, I should be able to remove the account co-owner without closing the account. In any other realm of finance, a secondary person can be removed from obligation and access - a quitclaim on a house, a title transfer of a vehicle, etc.
Consumer complaint received 2023-08-22
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. (MI)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-22
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. (AR)

History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from XXXX XXXX ) at XXXX XXXX of XXXX XXXX XXXX XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which was cleared on XX/XX/2023 * XXXXXXXX XXXX refused the XXXX to pay-off this lease unit XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* XXXXXXXX XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with XXXX XXXX is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to XXXXXXXX XXXX customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Figure Technologies, Inc (KS)

Company Response Trade : FIGURE LENDING LLC XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM.. XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX THAT THIS ITEM BELONGS TO YOU. 

XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. 
Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES : NO!
Consumer complaint received 2023-08-21
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (DC)

TransferWise ( also known as wise.com ) changed their underlying routing and bank account numbers without due notice. Because these numbers are used by my bank for automatic deposits over {$100000.00} funds are currently unavailable to me. 

Wise claims that the funds would bounce back after 5-10 days to the originating bank, but after this period, the funds were still not available. 

In order to resolve, I've had to reach out to their previous banking provider who owns the " deactivated '' account, XXXX XXXX XXXX XXXX. This bank required XXXX numbers for each wire transfer ( 3 total ) which I've had to chase down requiring many hours of my time. 

I still have not received the funds after providing the numbers. XXXX XXXX XXXX XXXX said it could take a week or more. 

Note I do not fault XXXX XXXX XXXX XXXX for this problem, but Wise for lack of due diligence in migrating user accounts to their new banking provider.
Consumer complaint received 2023-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose. 
XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

My experience with Barclays which issues the XXXX XXXX XXXX card was really bad. The XXXX % ARP promotion that I initiated was not fulfilled yet the transfer was completed at the full interest rate and a 5 % fee. The reason given was that the check was used after the date specified. 

Barclays should have rejected the balance transfer since the check used to initiate the transfer specifically for a 0 % promotional offer and no where did it say that using the check after the specified date would automatically trigger a different interest. Barclays completed the balance transfer requested, took a {$750.00} ( 5 % ) transfer fee but started charging me 25.24 % APR on a balance of {$15000.00}. 

By the time I realized that Barclays was not fulfilling its obligation of 0 % APR for the initial period, I had already been charged and had paid a total of {$750.00} in on time fee and {$1400.00} in interest for a 4 month time frame on a {$15000.00} balance transfer. All this is in addition to a {$99.00} annual fee that I pay for this card. 

Eventually I was able to avail the offer from another bank to meet my temporary needs and pay off the balance in full. 

I would like all Fee and Interest refunded to my account.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I received a letter from Chase saying that it was closing my business accounts because of my association with a Chase depost account that was previously closed. In XX/XX/2023, Chase closed a small personal savings account because of " suspicious activity. '' However, the branch banker told me it was closed because of inactivity. Chase will not say why they are closing my business account. I have had the account for nearly 20 years and there has been no change in my transactions. This is incredibly disruptive to my business. Further, as a systemically important bank, Chase enjoys the implicit backing of the U.S. government, i.e., the taxpayers. The Bank expects the taxpayers to bail it out when it loses money, but it can not give its customers a reason for closing their account. Nor can they provide their own name or employer ID #
Consumer complaint received 2023-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been a victim of fraud resulting in police reports fraud and home invasion robbery I am requesting to have this account deleted off my credit report thanx much
Consumer complaint received 2023-08-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (GA)

On XX/XX/XXXX I went into the Title Max located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I entered into an agreement for a {$550.00} Title loan. The vehicle I used to obtain the title loan was a XXXX XXXX XXXX which had been paid off and owned by me since XXXX. 

The loan was taken out by me at the request of my husband of 16 years to pay off a a bill he was delinquent on and needed fast cash quick, so out of desperation I willingly, opened the loan for him using the title to our paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX we made our XXXX payment in the amount of {$130.00} towards the loan. We have been making payments On XXXX, XXXX, XXXX, and due to the COVID-19 stay at home order, we were both let go from our jobs and we fell into a financial hardship. With not many options and fear and XXXX from the future of the economy due to the COVID-19 stay at home restrictions, we were forced to refinance the Title loan and received another {$550.00} from Title Max. The balance we were now required to pay was {$1200.00} which included a additional XXXX XXXX XXXX XXXX Pawn Pledge Fee ''??!! as stated in the Payment History print out I requested from Title Max Since the inception of this loan in XX/XX/XXXX, payments by us have been made month after month and just to keep the vehicle from being repossessed and the loan defaulted. All the while the balance has continued to climb, some months we were forced to pay up to {$300.00} to stay out of default. And MONTH AFTER MONTH Title Max would excessively call us everyday to threaten us with repossession on the vehicle if the payment was not made. 

The thought of how much money we were forced to pay Title Max infuriated me at which as of XX/XX/XXXX was an astounding {$5200.00}! 

I contacted Title Max in XXXX, XXXX and spoke to XXXX to see what we can do to get out of the loan and also requested a print out of the amount we have paid in total to Title Max since XXXX XXXX i asked her if they would agree to let us out of the loan and close the account. She was very helpful and did provide the the payment history printout but advised me that she has rarely seen this done, and unless the account was current and in good standing they would not accept our offer to have the loan paid in full and closed. 

This type of business should be ILLEAGAL.. This is not good business practices and there should be a CAP on the amount these title loan companies can take from people. We are in a more serious financial hardship due to me being diagnosed with XXXX in XX/XX/XXXX. Our other vehicle was just totaled in an accident and the XXXX XXXX that Title Max has a title lien on so we can't use it as a down payment to purchase another vehicle. 

Thank you in advance for any help you can provide for us.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio Recovery Associates are attempting to collect a consumer debt that is not owed to them. 
This Debt collector is not a party to the Contract nor are they a signature to the agreement/Contract that was purchased by their corporation therefore PORTFOLIO RECOVERY ASSOCIATES XXXX possess no valid claim to the debt stated in the Contract to be owed by the Principle, XXXX XXXX XXXX XXXX 
This Corporation has violated the Fair Debt Collection Act also violated multiple Consumer Rights Laws by contacting XXXX XXXX XXXX Mail or Phone. This XXXX has violated the FAIR CREDIT REPORTING ACT by reporting fraudulent debt owed to the XXXX XXXX XXXX, causing financial harm to Consumer. 

FAIR RESOLUTION I want all collection efforts stopped immediately, all false debt reported to the Consumer Reporting Agencies is to be removed immediately. XXXX XXXX XXXX is private, and this corporation possess no valid claim to report debt. 
claims in Federal Court are being drawn up. 

Thank You XXXX XXXX XXXX XXXX Authorized Agent
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

An international wire transfer was posted on my account, having an exchange rate of XXXX as opposed to exchange rate of XXXX. I was incurred of the wire fee of {$25.00} but with the exchange rate I was over charged 10 %.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TX)

I have opened US Bank credit card back in XX/XX/2022 as to receive XXXX enroll bonus to XXXX XXXX XXXX. They honored that we will get XXXX bonus miles when we spend {$3000.00} with in 3 months from the date of credit card activated. 
I did spend {$3000.00} with in 3 months and US Bank did not issued XXXX bonus miles.
Consumer complaint received 2023-08-21
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. (CA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX