davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OK)

On or around XX/XX/XXXX I received a written notice dated ( XXXX ) for a payment offer from Jefferson Capital Systems LLC. This would be the FIRST and ONLY notice I have received from them regarding a XXXX account in the amount of {$970.00} that is clearly passed the STATUTE OF LIMITATIONS in order for them to pursue. *Legally*. They even said it in their letter. This collection company demanded that I pay them & that the deadline was XX/XX/XXXX though I am not in debt to them. There was no right to dispute attached ( VIOLATION ). I am upset because I responded via USPS certified mail on XXXX. In that response, I requested that they cease all collection activity regarding the account because it is stale. Today is Tuesday XX/XX/XXXX and they slapped a collection on my credit report TODAY without acknowledging that I have replied to their letter. It hasnt even been 30 days. Thats shady business. The report on credit karma says XXXX XXXX, XXXX but I just checked my annual credit on Sunday XX/XX/XXXXXXXX  and this account was not there. 

Additional information XXXX XXXX XXXX XXXX, XXXX, MN XXXX Jefferson Capital Systems , LLC XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AL)

This account was opened on XX/XX/2023. It has a balance of {$240.00}. I have no knowledge of this account, and I have no Idea where it came from. I was never notified of this collection. Whats more, this debt are fraudulent and inaccurate.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This is a continuation of a prior issue. I will provide the explanation here. I received a letter from Citizens bank that they owe me XXXX and to contact a number provided I called the number and I can not get a hold of anyone as it will only help people with an account number. As this is a disbursement of a loan from XXXX I no longer have an account number. I have tried to contact them and it's impossible to receive my money from Citizens bank. In the follow up with Citizens bank the said the money was surrendered to the State of Massachusetts treasury. I checked with the treasury and there is no money to claim. I believe Citizens bank made a false claim about the surrendered money. There is nothing in the records from the state about the money. 

This is now the third time filing a complaint. Once on XX/XX/XXXX and the other XX/XX/XXXX. They are filing responses that the money was escheated to the state yet withhold proof of this. Citizens bank is lying to me and the CFPB in order to not pay.
Consumer complaint received 2024-02-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OR)

I recieved a XXXX $ American Express gift card for XXXX in XXXX, but I didn't start using it until this month ( XX/XX/XXXX ). I was able to use about half the balance of the card just once at a restaurant, and the card repeatedly gets declined at every establishment online or in person since then. Contacting customer support about this issue was not helpful, as they just advised that I should be able to use the card anywhere ( but I am not ). The remaining balance on the card is {$23.00}.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NJ)

I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802. 

I hereby request that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private. 

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization. 

Please consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my request and confirmation of action taken within the timeframe required by law. 

Failure to comply with this request may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of 1974, and other applicable statutes. 

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NJ)

Good afternoon, The problem is that we left XXXX XXXX, with the understanding that we do not owe anything since whatever was of our security deposit squared up our balance. The manager, XXXX was whom stated all of this. 

After 3 months, I received a call from IQ Data. Within these 3 months i have never received any notification from XXXX XXXX that there was an outstanding balance. 

By the way XXXX XXXX called me and I had asked for an email or letter correspondence in which they told me they could not provide. 

Then, I went to XXXX the very next day and provided them a Cashiers check of {$1300.00} However, IQ Data mentioned that the debt was {$2500.00} When in reality it was {$1300.00}, which was paid in XXXX. 

By the end of XXXX, my account was sent to Collections almost 2 months after I paid what was owed. 

Now, XXXX is stating that they have provided all the means to IQ Data that this was in fact paid for, while IQ Data is stating that they are not willing to assist and cooperate.

This should have never ended up in collections. It is hurting my credit score drastically, please assist in resolving this matter. I would like this to be removed from my credit report since I have done nothing wrong and have paid what was owed.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (AL)

PayPAL is through Synchrony Bank, they close my account because they said that it was at high risk of failure to pay but I always paid my account on time because I don't like late fees. I also got a XXXX XXXX XXXX  through them that was XXXX dollars and they took it down to XXXX dollars it is still open. Can they just close your account when you are making on time payments and never late because it is low
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK (KY)

I opened a bank account with First Horizon Bank of Tennessee on the promise of " free checking '' and " no hidden fees. '' However, upon closer inspection, the terms and conditions mentioned small print about overdraft protection and its associated charges. I opted out initially, but later unknowingly used my debit card for a purchase that exceeded my available balance.The bank, instead of declining the transaction, covered it as an " overdraft service, '' triggering a hefty fee. This fee, coupled with insufficient funds to cover it, resulted in another fee, and another, creating a snowball effect. I tried contacting the bank to explain the situation, but their policies were inflexible, and the fees kept mounting.Unable to resolve the issue and drowning in fees, The bank eventually closed the account with a negative balance. This information was reported to XXXX, a credit reporting agency specializing in bank activity. Now, with a tarnished XXXX report, opening a new account at any bank becomes an uphill battle.
Consumer complaint received 2024-02-21
Product: Credit 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. (NY)

On XX/XX/XXXX I had car repairs done totaling {$1000.00}. I put these charges on my Master Card credit card issued by Citi Bank. The charge posted and I paid it off that very billing cycle. I then had a duplicate pending charge of the same amount from the same vendor with the same date. I called the vendor ( a reputable, large car dealership ) and they first assured me there was no duplicate charge sent from their end, and they went as far as to contact their credit card merchant who assured them there was no duplicate charge showing in their system. I then contacted Citi Bank for the first time on XX/XX/XXXXAs a frugal consumer I keep a low credit limit ( {$1400.00} at the time. ) Citi told me to wait 20-30 days for the pending charge to disappear, and in that mean time the duplicate charge would chew up roughly 70 % of my available credit. I called back the following day as that was unacceptable. They told me to contact the vendor, which I already did, and then said it was likely MasterCard 's fault. I went to MasterCard 's website and it said something along the lines of they are not responsible for cards once issued and to contact the issuing entity. I called Citi Bank back and demanded speak to a human and then to the human 's supervisor. The supervisor said there was nothing they could do to get rid of a duplicate pending charge before it posted. I explained that it wasn't actually charged twice by the vendor and seemed to be an IT error on their end. Needing to buy groceries and knowing they constantly suggest I raise my credit ( I decline each time ) I eventually asked if they could just raise my credit temporarily by the amount they chewed up with this duplicate charge and then lower it back afterwards. The supervisor said they were " just about to suggest I request a credit limit increase '' but if I request it go back down afterwards it would be a permanent decision. I relented, having had my card declined at the grocery store, and let them raise my credit. The charge dissappeared about 2 weeks later on or around XXXX XXXX, before the end of the billing cycle. 
I find it very strange that when my average credit card transaction is around {$20.00} that the one time I would experience this issue with was over two-thirds of my entire credit amount. Citi has been pestering me for years to raise my credit limit and I have concerns they used this " unexplainable issue that they have no power to resolve '' to gas me into raising my credit limit. I want to file this complaint to see if in aggregate Citi is duplicating large charges to frustrate consumers into raising their credit limits.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

PayPal closed my business ' account last month. They stated since the account was closed neither my business 'Millennium ' or PayPal has any information regarding our transactions. They will not send us any statements, ledgers, transaction history of our account. They claim they're not required to keep any type of transaction history once an account is closed. We believe there was an account balance, but again we can't get any information from PayPal. 

Per our attorney and CPA, PayPal is required to retain transaction history for up to five years. How do we get PayPal to abide by the law before we have to file a petition in federal court? 

All conversations have been recorded on our end and may be transcribed and uploaded upon request.
Consumer complaint received 2024-02-18
Product: Credit 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: ENCORE CAPITAL GROUP INC. (IN)

In XXXX of 2023 XXXX made XXXX charge to the XXXX credit till the card was maxed out. Beginning on XX/XX/2023 the fist charge of {$450.00}, a second charge on the same date of {$390.00}, third charge on XX/XX/2023 {$830.00}, fourth charge same date {$990.00}, fifth charge same date {$830.00}, sixth charge on XX/XX/2023 {$990.00}, and the seventh charge on the same date for {$340.00}. I never received statements from XXXX, nor did I approve these charges. XXXX then sold the account to Midland Credit Management who is being uncooperative in discussing the legitimacy of the charges.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

Wire transfer intended from my business, to another business XXXX XXXX XXXX XXXX. According to my bank, money was transferred to an account at CitiBank, not to the intended recipient, XXXX XXXX. CitiBank will not respond with where the money actually went. Routing no : XXXX, account number XXXX. Attempts to contact CitiBank at XXXX ( transfered to another number ), XXXX ( told not this department ), XXXX, per XXXX, they only handle credit card fraud, XXXX ( told to call XXXX ), XXXX ( recording that " the number is not available, goodbye '' and disconnects ), XXXX ( recording that this is a " non-working number '' and disconnects ), XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

I am writing to formally bring to your attention a matter of utmost concern regarding the violation of my privacy rights as outlined in the Privacy Act of 1974, as well as the infringements upon my rights under 15USC 6802 and 15 USC 1681. Jpmcb is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Jpmcb the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX pertaining to Jpmcb whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Jpmcb never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. I have also included attachment to show the inaccurate reporting of JPMCB.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

i reached out to Transunion on numerous times about theses listed inquires and they have failed to remove the nquires listed i sent a cfpb complaint since XX/XX/XXXX no response or removal 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 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (GA)

Macy's/Citibank , N.A . 
Account number : XXXX Age of account : 8 years and 3 months Attention : Macy 's or whom it may concern, I am writing about the above account and why is it still on my credit report after all these years and paid. I an requesting that Macy 's remove this negative, paid information from my credit report as an act of " goodwill '' because this account has been paid.This is hurting me, my life, my credit history and score. Truthfully, this is unfair because I paid what was asked and owed, but you don't care. So, I'm taking the initiative to write a review on Macy 's to corporate and let your collection practices and your business become exposed and damaged. It would help me immensely if you could make a goodwill adjustment to remove this from my credit report. Thanks and I hope my request is approved.