davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KS)

So my money from school was deposited into my cash app. My phone was stolen and the money was transferred without my approval and now I am being denied access to those funds and this is my first time doing a cash payment dispute on this account and have been a member since 2023
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock from Paypal that You can no longer do business with PayPal dated XX/XX/year>. At the advice of counsel, Im sending a polite message to PayPal with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. PayPal sent me an email telling me that I need to provide more information to re-review my account and decide if they continue my account limitations or lift my account limitations, But when I check my PayPal account, there is no option where I can send more information and proof of screenshot. I primarily use PayPal to provide online services. In addition, my PayPal is authenticated and connected to XXXX. XXXX where I receive occasional income from my online tutorial. Everything I do on PayPal is completely legitimate. None of these violate the XXXX. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on r/PayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service.
Consumer complaint received 2024-09-11
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: GOLDMAN SACHS BANK USA (NC)

XXXX charged my Apple credit card 10 times for {$99.00}. Each {$99.00} was for an entire year subscription to XXXX. So XXXX charged me close to {$1000.00}. I contacted XXXX and XXXX stated that they never charged my Apple account and I should take the issue up with my credit card. In XXXX of this year I began disputing 10 different times XXXX charged my card. Apple told me that it takes 90 days to process. My disputes were repeatedly ruled in XXXX favor. I provided supporting documentation to both parties. Neither are willing to resolve the issue in my favor and now Im out of {$1000.00}.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (KY)

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Jefferson capital systems acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ky XXXX Last XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

XXXX has two hard inquiries on my credit file that are identity theft. One from XXXX XXXX XXXX and one from XXXX XXXX and I did not make those attempts. Please remove those hard inquiries. XXXX  XXXX XXXX XXXX is identity theft also please remove that from my report immediately! Cease and decease
Consumer complaint received 2024-09-14
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: CITIBANK, N.A. (TX)

While on vacation in XXXX my card was stolen on or around XXXX XXXX and over {$3000.00} of charges made without my knowledge over two weeks before I became aware of the fraudulent charges. I did not realise my card was missing as I had recently asked for a replacement card as my credit card chip was not working intermittently and I thought the card in my wallet was the new card but in fact it was the one. I would also note Citi did flag some charges and send an email/text as potentially fraudulent but DID NOT disable the card despite not hearing from me to confirm if they were real or not. I did not receive these messages as from the XXXX XXXX until the XXXX XXXX I was sailing up and down the cost of XXXX, stopping only at remote villages with no cell phone of internet service. Most of the charges appear to have been made in XXXX XXXX, a place I was XXXX miles away from. I reported the fraud to citi as soon I became aware of the charges but citi denied the dispute bc I said I was not 100 % sure if the card I still had was the old one or new one when I first reported it. The card have identical numbers, expiration etc. so I am not sure how I was supposed to know at that time. I only realised what had happened when I could not find XXXX cards in my luggage and I knew that I had both the old card and replacement with me when I arrived in XXXX. These charges were not made by myself or anyone else on the account and citi states that cardmembers have {$0.00} liability on such charges. This is clearly a false statement as they will deny valid disputes with little to no investigation. There are actually multiple active lawsuits against citi due to these practices brought by various state AGs.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (GA)

I hope this message finds you well. I am writing to express my frustration and seek immediate resolution regarding the ongoing restrictions on my account. 

My account has been restricted, and despite my efforts to provide the necessary information, I am repeatedly asked for details that I am unable to supply. Specifically : Bank Statement : I do not have a bank statement for the account ending in XXXX showing transactions since my purchase on XX/XX/XXXX. 

Prepaid Card : The card ending in XXXX is a prepaid card from XXXX, and therefore, I do not have a traditional bank statement for it. 

Unknown Card : I do not recall adding the card ending in XXXX to my account. 

Each time the review period nears its end, I am asked for the same information, which is not feasible for me to provide. This repetitive request is causing undue stress and delay, which is impacting my ability to access and manage my funds effectively. 

I urgently need access to my funds and would appreciate a more efficient resolution to this issue. Please advise on alternative ways to verify my account or provide a clear path to resolve these restrictions without further delay. 

Thank you for your prompt attention to this matter. I look forward to your swift response.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

CITI XXXX
Consumer complaint received 2021-02-02
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 identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

XX/XX/year> Subject : Request for Removal of Incorrect Address from Credit Report To Whom It May Concern : I am writing to file a formal complaint against the credit reporting agencies XXXX, Equifax, and XXXX regarding the inaccurate reporting of my address on my credit report. 

Details of the Complaint : Incorrect AddressXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have noticed that the above address is incorrectly listed on my credit report. I have never resided at this address, and it does not pertain to my credit history. This erroneous information is negatively impacting my credit score and my ability to obtain credit. 

I have previously contacted all three credit reporting agencies to dispute this inaccurate information. However, despite my efforts, the address remains on my credit report. I have provided all necessary documentation to support my claim, including proof of residence and identification. 

I am requesting that the CFPB assist me in ensuring that this incorrect address is removed from my credit report as soon as possible. I believe that the continued presence of this inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies maintain accurate information.

**Resolution Requested : ** - Immediate removal of the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit reports with XXXX XXXX Equifax XXXX and XXXX. 
- Confirmation of the removal in writing. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-01
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)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (FL)

Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day. 

The account was with XXXX which is owned by XXXX XXXX. I was issued a store card in XXXX The amount eventually was approx XXXX dollars. I used the card 2 times to purchase sundries and then approx XXXX worth of lamps which did not work after a week and which I took back for a credit. 

At first XXXX billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called XXXX  again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well. 

Approx. 6 months later I began to get collection letters for the XXXX  which I disputed, explaining the card was closed. Nothing was due on it and that XXXX/XXXX XXXX should be contacted. 

Today, Real time Resolutions sent me a letter stating that the balance owed is XXXX For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all. 
Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will. 


Real Time Resolutions RTR File Number : XXXX Account Ending In : XXXX Balance : XXXX  Original Creditor XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (TX)

I provided the reasons for disputing the information. I have enclosed it again fraud accounts and inquiries Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX  ( XXXX  ) to seek their assistance in resolving this issue.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MILEND, INC. (IN)

I received a live check for an installment loan but its required to call them first to get an approval code. The check expired XX/XX/year>. XXXX made 7 calls XXXX trying to get this code and all I ever get is to leave a message and I never receive a call back. I feel like this is a scam and at best false advertising
Consumer complaint received 2023-11-23
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-02-01
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. (LA)

Contacted all 3 major Credit Bureaus with regards to an account that is showing up on my report from XXXX/XXXX and asked that it be removed from my credit report. This account was from supposedly from XXXX XXXX. I contacted XXXX XXXX and they confirmed on XX/XX/2021 at XXXX XXXX Central Time that this account could not be found in their system and that they had no knowledge of the account. I spent over an hour on the phone with a XXXX XXXX representative named XXXX. 

I asked that this account be removed from my reports as it could obviously not be verified. I have submitted disputes multiple times with each credit bureau and they all respond that the information is correct in less than 7 days. This is an impossibility!!!! 

This account needs to be removed from my account according to the FCRA Section 604, 609 and 611. They can not positively verify this account. I attempted to cofirm this account with XXXX XXXX and could not so there is no way that they could possible have followed the correct protocol and followed the FEDERAL LAW with regards to this account.
Consumer complaint received 2015-04-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I lost my job shortly after purchasing my vehicle. I 've tried numerous of times to set reasonable arrangements on both my personal and car loan. I 've asked for clarity and everyone seems to provide different information. The branch manager was very rude and unhelpful. I went higher up the chain to the DM XXXX XXXX. XXXX is horrible. She 's also very unhelpful and argumentative. Each time I 've contacted her for information about my loans and options, she 's given me inaccurate information. I visited another the branch, and they were only able to produce 4 months worth of payment history. No one can answer my question of " who is above XXXX?. '' I 've never seen business like this. I 've visited other branches in the past and received much better care. I 'm just shocked that XXXX would have someone like her in a management role.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I called Wells Fargo to request a downgrade of my wells Fargo propel card as I was no longer interested in paying the {$170.00} annual fee. I didn't think the fee justified the cards benefit. The representative presented various credit cards I could downgrade to that did not have an annual fee. After a 90-minute conversation, I decided to downgrade to the lower tier of the propel card that did not the annual key. I also allowed the representative to charge my checking account for the annual fee of {$170.00} in case the downgrade process takes long in order to avoid being charge a late fee since the annual fee was due. The representative ensured me everything be process and I will receive the new card in a few weeks. 

In the first half of XXXX, I spent a lot of times traveling which was extended due to the pandemic. I was in the west coast until XX/XX/XXXX. When I returned home in XXXX, I found several letters from wells Fargo stating that I owed them {$170.00} plus late fees/interest. Also, my credit report was flagged for missed payment. At first, I was confused and thought maybe someone stole the new card while I was away and used it. Because I know that I didn't owe wells Fargo anything especially since I paid them the {$170.00} annual fee back in XXXX to avoid any issues relating to downgrading my card. 

After having several conversations with wells Fargo bank tellers and two Case Specialist in the Wells Fargo XXXX XXXX XXXX XXXX, they confirmed that the representative did not downgrade the card as he ensured me, he will do. Furthermore, they confirmed that they did receive my payment for the annual fee back in XXXX but failed to update my account with the new balance ( which was {$0.00} ) which resulted in them reporting me to the credit bureau. To explain, Wells Fargo continued to charge me for the annual fee even though I had already paid them the fee. Every month from XXXX to XXXX they reported a missed payment to all three credit bureaus. They apologized for their mistake and ensure me that they will contact the credit bureau to remove all the negative marks they put on my account as this was their negligence for not verifying their information about my account. It is now XX/XX/XXXX ( I spoke to them XXXX XXXX ) and the missed payment has not been removed. I also open a dispute with XXXX and XXXX said they refuse to remove it. It seems like the only thing left to do is to take them to court because they are violating the federal fair credit reporting act ( FCRA ) and has damaged my creditworthiness.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (NC)

I provided the reasons for disputing the information. I have enclosed it again Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. the account that is fraud needs to be removed and blocked XXXX