davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/year>, at around XXXXXXXX XXXX. I transfered money out of my XXXX account to my PayPal debit card. The amount I transfered was {$360.00}, there was a fee of {$6.00} and some change, to have the money immediately after transfer. So the amount actually put in my account was {$350.00}. That amount was deposited in my debit card balance account. PayPal sent me an email stating that XXXX sent me a full refund of {$350.00}. Within 4 minutes the balance disappeared off my debit card account. It went to {$0.00}. I got on my PayPal app to check what had happened to my transfer. The app said that my money had been taken out of my debit card balance and moved to PayPal , Inc .

I called PayPal and there very rude staff, told me that my money had been sent back to XXXX. I asked them why, because that wasn't what I wanted and paid a fee for. PayPal hung up on me and never called back. I called PayPal back and asked to speak with a supervisor and " XXXX '' a support specialist, came on the phone and took all the information I could give her. XXXX put me on hold and when she came back on she told me that my money had been sent back to XXXX. I asked her why because I transfered it from XXXX to Paypal because I had a debit card with PayPal and did not have one with XXXX and I needed this money on a debit card so I could pay my electric and water bill online or over the phone. XXXX mumbled something about regulation that XXXX wanted them to follow. She didn't give me a straight answer. Then she gave me a transaction ID number that was supposedly the transaction ID to prove that my money had been returned to XXXX. I then called XXXX and told them what had happened so far and told them what PayPal had said. I gave them the transaction number and was put on hold while the rep looked for my money. When he came back on he that transaction ID was not to the transaction that proved the money was returned to XXXX. He opened an investigation and eventually I gave him 2 more Transaction ID numbers for him to check for. None of the transaction ID numbers provided from PayPal and my PayPal app proved to be helpful in anyway. So XXXX closed the investigation. I contacted PayPal almost everyday getting different stories as to what happened to my money. I asked PayPal to please provide me with proof that I could use to give to XXXX to prove that they made the refund back to XXXXXXXX XXXX But they did not or could not give me any proof. They said that they disperse the funds properly and said this matter was closed. So here I am now.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (AR)

Under the 15 USC 1692cc law act. My information can not be sold to third parties, and I was not of aware of any payment from company. I would like for this payment collection to be removed from credit report. Collections agency XXXX XXXX reported XXXX XXXX for {$4100.00}. The original creditor name XXXX XXXX XXXX. I was not notified about any payment by mail.
Consumer complaint received 2024-08-09
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. (MO)

on XXXX XX/XX/year> I noticed a payment on my credit card of {$130.00}, I tried to make dispute with citi bank but their system won't allow me to do that till the payment become posted and that took several days!!!! after the payment posted I called and make the dispute and they send me another card and closed the old one the citi bank should have acted faster than than and refund my money instead of buying more time and refuse my dispute without explaining why they didn't refund my money or what should I do? 
I don't know what to do with them it's not fair to loss money over banks negligence and low performance when it comes to customer card, my card number was XXXX XXXX XXXX XXXX please help me and thank you
Consumer complaint received 2019-08-01
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. (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Received a phone call today XX/XX/XXXX from a XXXX, who transferred me to a XXXX XXXX, front desk for a Law firm called XXXX. Didnt provide much info just alleged that he was calling for a credit card from XXXX. No documentation was provided, and the email given did not belong to me. No signature or contract was provided and stated they were taking me to court to garnish wages. This past the statue of limitations in XXXX  and how can I go firm that the debt even belonged to me when I didn't even bank with XXXX.
Consumer complaint received 2024-07-11
Product: Credit reporting 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. (NC)

I am grateful for your work in correcting my credit information by removing some of the erroneous entries. However, there are still some items that need to be addressed and removed. I recently checked my updated personal credit report and I noticed many unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I previously requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And I know your investigation is complete, and you find my allegation to be true, so, please remove these inquiries and send me an updated copy of my credit report at the address provided : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX 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 EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The inquiries I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Thank you for your assistance in this matter.
Consumer complaint received 2024-08-04
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (GA)

XX/XX/XXXX TrueAccord responded to my dispute stating all collection attempts would be halted until they gathered information. Service was stopped for another service. Only 1 service line to the property. I paid through the month though new service was started halfway. Through transcripts it was stated that only 1 service can be had through 1 line. Prior to this I setup to transfer at a later date and was told my service would not be canceled and it was immediately. That was rectified and explained 2 services could not exist. With this knowledge a new service was connected but they never canceled the old that was paid past service end. They continued to charge 2 services on 1 working service. No response from TrueAccord. XX/XX/XXXXXXXX XXXX XXXXXXXX picked up the debt and put it on collections with no contact. TrueAccord was informed of the illegalalities of this and will not respond. XXXX. XXXX thinks it's a joke. It's only {$50.00} on exceptional credit but it's a false debt and they will not yield. TrueAccord was even provided documents to show how they were wrong XX/XX/XXXX. XX/XX/XXXX, when asked they stated they returned the debt to XXXX which was only explained once another company showed collections on my credit report. Previous email was all attempts would cease until information was provided as can be seen in the attached. No single person responded but was a different person with TrueAccord each time. XXXX. XXXX I am unable to dispute on my credit report. They will hang up on you and treat you like a joke. I will add more documents later as necessary.
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NV)

I have had an account with Gemini since XXXX. Between XX/XX/XXXX and XX/XX/XXXX of this year, I deposited {$20000.00} via XXXX into the Gemini exchange. The money was immediately converted into XXXX upon deposit. 

On XX/XX/XXXX, after the XXXX business day hold for the first deposit was finished, I tried transferring a small amount of XXXX into another cryptocurrency exchange. I received the following error message : " Sorry, this XXXX withdrawal can not be completed at this time. Reason : Security hold. Contact XXXX '' Gemini told me to uploaded a photo of a selfie where I am holding my identification and piece of paper showing the date + my ticket ID ( XXXX ). Note that my account was fully verified in XXXX and have processed many transactions before so it is unreasonable and suspicious for Gemini to request this ( again ) now. Despite this request, I obliged and them them the documents that they needed. 

I have heard nothing back from them. I have read online about dozens of other users sharing the same experience recently. Gemini will accept unlimited deposits, but will freeze your money arbitrarily, even after providing their requested documents.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This account isnt mine but has been reported on my credit report. I do not own a vehicle from this company. The amount of debt posted is {$5900.00}. I am not aware of this account nor the amount owed. I did not give this company any consent to reporting this information to my credit report. My information was involved in identity theft.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fig Tech Inc. (TX)

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. 
XXXX XXXX XXXX : # XXXX has violated my rights.

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 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally lodge a complaint regarding the inaccuracies present on my credit report, as well as the persistent failure to rectify these errors despite multiple dispute attempts. My aim is to bring to your attention the ongoing issues I have faced in attempting to have my credit report corrected and to request your immediate assistance in resolving this matter.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-24
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. (GA)

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  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

XXXX XXXX is reporting an account I had with this company as a charge-off with all three credit reporting agencies when I called XXXX XXXX to ask them to update my account status to paid in full and close they told me the account was charged off, I then proceeded to ask them to provide me with a 1099C since the account was charged off they said to me that they would not issue a 1099C.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

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 All these account were paid and these companies have been cashing the check and then redeeming the coupon which is called double-dipping!!!!!
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXXXXXX XXXX sent me an electronic letter stating that they made a decision to close my XXXX account due to various reasons. I have been a XXXX customer for over XXXX years and make monthly payments. In addition, I have other cards with XXXXXXXX XXXX that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, XXXX continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with XXXX. I am asking that XXXX either reopen my account or agree to a XXXX XXXX Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the XXXX authorized users as well. Remove them from this account. I can be reached at XXXX.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I Paid off a car loan in XX/XX/XXXX and never received official lien release. In XX/XX/XXXX I requested an official lien release document so I can get my car title, trade the car in for a new car. I was told it takes 5-7 business days and no expedited option available. Following week I follow up and was told it takes 7-10 business days and still no expedite option available. Now at risk of losing new car deal on the table with a car dealer. 
Following week I follow up and was told they can email me a copy of what the mailed me. They email a copy of unsigned lien release with no notarization or signatures. I was told to go to the motor vehicle administration and show what they emailed and get a new title. When going to the MVA I was then denied because of improper documentation. When calling back to Citizens, I was told they emailed what was sent and do not have a copy of a signed lien release. They admitted they were unsure why one was never issued, not signed when requested and now the upcoming car deal I wanted is gone.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/year> I lost my debit card then charges were made on it for {$600.00}, {$300.00}, and {$60.00}. I called Wells Fargo to report fraud and they put a claim in. They decided the claim was denied even though the charges were not made by me. I wanted to escalate the claim higher but they told me there wasnt anything further they could do.
Consumer complaint received 2024-08-08
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Collection Management Holdings, LLC (MD)

A company I have never interacted with or contacted before calls my cellphone daily sometimes multiple times a day and leaves voicemail messages using an automated robocall message to return the call to speak to a representative about debt management. The person 's name is " XXXX XXXX from Credit Management Company '', and in searching I have read that many, many people are reporting the same harassment. I have blocked the number but my XXXX still allows them to leave messages, it just doesn't ring. I have a perfect credit score and no need for credit help so their service is not remotely applicable to me. The harassing calls are out of control and have been going on for months to me and many others. The number they call from and leave to call back daily is XXXX. I am making reports to any agency that can assist with stopping this fraudulent harassment. I have my number listed in the Do Not Call Registry and it seems to make no difference with this person.