davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
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 (CO)

Thursday XX/XX/XXXX and XXXX XXXX  PayPal contacted me saying they had closed my account and are withholding the money in my account The amount I currently have in my account is {$290.00}. I have called and recorded the conversation with PayPal support 3 times over the course of a couple days, the first individuals claim they have no idea as to why there was a hold on my account, gave me a ticket number and told me to wait for an explanation as to why. No response was given. I called them Sunday, XX/XX/XXXX around XXXX requesting an explanation, with none to be given. They have admitted multiple times that they have limited my funds without proper notice as to why, They then transferred me to a supervisor, who again, declined to give me any information. I have had the PayPal account since XXXX  with no issues. I would like my money back, and my account reinstated if at all possible, I reviewed their blanket policy terms of service and found that I had not violated it. here is the email I recieved You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. 
If you have funds in your PayPal balance, we'll hold it up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement. After that period, we'll email you with information on how to access any remaining funds. 
If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 
You can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 
We regret any inconvenience this may cause. 
Log in to PayPal
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northstar Location Services, LLC (IL)

Northstar location services has been calling my workplace on a daily basis. I do not have record of date and time, but I have told them on a previous phone call that I am not able to take their calls at work, absolutely no exceptions. 

To date, they have left two voicemails stating they are a debt collector on a shared voicemail in the workplace. I have audio files and voicemail transcription available from voicemails on XX/XX/2023 and XX/XX/2023. I am able to provide the e-mails with transcriptions, as the mailbox they were delivered to is a shared e-mail at the workplace. 

The violation of my privacy has been very upsetting, especially as it has occurred on multiple occasions. 

I have sent a message to the company asking for steps to ensure my workplace is no longer contacted, but they have not responded.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX XXXX {$20.00} Blue Bird American Express XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Blue Bird American Express XXXX XXXX XXXX XXXX - {$1.00} Blue Bird American Express Card I have reached out to Blue Bird American Express as of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl ) locked debit card and contacted XXXX customer service. Replacement card ordered. My issue is this is the XXXX time this year with hackers/scammers XXXX customer service XXXX This is the latest its been more my main XXXX XXXX XXXX was compromised also mid XXXX this year. Not sure if my info is on the Dark Web or something. I just want this Nightmare to be over with. 
Thanks XXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (IL)

I was offered a settlement of XXXX dollars ( which I paid ) to settle my account with GM Financial. I also have written documentation that states " our client ( gm financial ) will report the account has been resolved for less than the balance '' ( XXXX XXXX ). Instead of reporting the account accurately, they reported my account as if if I STILL HAVE A BALANCE DUE ( XXXX and XXXX XXXX ). This mistake dropped my credit score XXXX pts. I disputed this, reached out to GM Financial regarding this and within a week they reported the account as " XXXX missed payment '' and that my payment is currently late ( XXXX ). THIS IS AN INACCURATE report and a FCRA violation in which they fail to understand. This second mistake caused my credit score to drop XXXX more points ( IMG XXXX ). This makes XXXX sense IMPORTANT FACTOR : This account was charged off XXXX yrs ago in which I already took a hit to my credit for at the time. 

There is no way I should be penalized XXXX  times especially after paying the agreed upon settlement. In the least bit XXXX shouldnt have lost any points. 

Since I paid the settlement balance and have in writing they would report the account as being resolved, I am looking for Gm Financial to erase this account off of my credit report returning my credit score back to normalcy. If Gm fails to resolve this I have no problems getting lawyers involved.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Balance {$380000.00}
Consumer complaint received 2024-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

My loan was sold to Shellpoint mortgage as new servicer in XX/XX/XXXX. 1st payment was for XXXX which was the fixed amortized payment from the previous servicer. The loan was converted to a fixed amortized payment and note resigned in XX/XX/XXXX. Shellpoint has now converted to a simple interest loan and payment has increased to {$1000.00} accelerating payoff by 5 years. I have escalated to manager XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with promise of resolution but company never completes fixing the error they admit to. Their service reps state they have made this error with other parties but are telling people the previous servicer had made the mistake.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION (NV)

I opened Nevada State Bank checking account online XX/XX/23. I decided to close unfunded BECAUSE phone rep stated any cash deposits would be held in limbo unusable, leading me to suspect data mishandling, but the rep refused to close account threatening monthly fees. So now I'm good enough to bill, not use my own money.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (AL)

On XX/XX/2023 I went to XXXX store number XXXX address XXXX XXXX XXXX XXXX Alabama XXXX to load {$300.00} on to my chime card. The lady made me swipe my card twice cause she said it didn't work the first time. At XXXX {$500.00} was deducted from my account for " adjustment ''. At XXXX the {$300.00} was deposited into my account. I have contacted chime and XXXX and no one is helping me to resolve the issue. Please help.
Consumer complaint received 2023-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/, I submitted a dispute to have my proper name listed on my TransUnion Credit report. Currently my name on the report is incorrect. Per the companies website, they ask that you send proper documentation ( 2 forms ) that has your correct information. I sent in both my state issued drivers license, Federal Global Entry ID and my passport. This was all delivered to TransUnion via certified mail on XXXX On XXXX  I received a letter from TransUnion stating that " The information sent was not sent from me or an authorized agent on my behalf ''. On XXXX XXXX called TransUnion directly to inquire about the letter and was promptly blown off by 3 agents stating that " the items I sent couldn't be validated ''. If I provide 3 pieces of identification, and it can't be validated what else am I to do?
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (CA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-04-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery calls everyday. Calls my family. Debt that's 6 years old or more. Cussing at me. Threatened me with jail time, or to send sheriff department to my house. Judgement supposedly against me in excess of thousands of dollars aside from the debt itself.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXXXXXX I contacted TransUnion about the following incorrect information on my credit report. To this date, they have not responded. 


The following account was never late : XXXX XXXX  ( Date Opened : XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the following account : XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$770.00} ). I am unsure of the accuracy of the balance of {$770.00} that you report for this account, as I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 
The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$350.00} ). Please remove it from my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the following account : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ). I am unsure of the accuracy of the balance of {$7100.00} that you report for this account, as I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$8600.00} XXXX XXXX XXXXXXXX Balance Owed : {$480.00}
Consumer complaint received 2024-10-07
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (OH)

This company claims i owe them for a bill that I never had with them I have disputed this bill and it was removed and now this company keeps emailing me none stop. I ask for voildation of the bill and they refuse says it confidential. I have ask them to stop emailing me and they continue.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

My account was incorrectly levied by the California Employment Development Department ( EDD ).  Bank of the West withheld the notice of levy for an entire week until after the account had already been incorrectly levied. Had they given me the notice on time I could have notified the EDD to find out what was wrong and fix it before funds were withheld. Due to the extreme delay of Bank of the West all of my bank accounts were in fact levied causing them to be overdrawn and then incur almost XXXX of overdraft and retuen item fees. Even after the EDD notified them that they levied in error they continiued to charge these fees. This was not an oversight on my part or simply being careless with my account. This was an error that was done by the EDD and had bank of the west not held the levy notice for so long it would have been corrected before any overdrafts even occured. Now they have closed my accounts due to these fees and have sent fee amounts to collections.
Consumer complaint received 2023-04-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates tried to sue me for a debt they couldnt prove they say I owed. They froze my assets, made me miss payments on my bills and unable to take money out the bank. They sued me and had me go to court for something they couldnt provide proof. I also was getting constant harassing calls and letters after I told them not to contact me.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-10-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MA)

I wrote a letter to the company on XX/XX/year> and requested verificaton and validation of the debt. the letter was mailed same day, and I have not received any correspondence. By the doctrine of eStoppel by silence, this debt must be removed from my credit reporting.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I HAVE ATTACHED FTC REPORT ******PLEASE REPORT FTC REPORT IN DETAIL******I AM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUD MUST BE REMOVE AND BLOCKED, FTC REPORT SHOWS ALL THE ITEMS DO TO FRAUD PLEASE REMOVE.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

To whom it may concern Transunion, XXXX, XXXX The following inquiries were not authorized by me please delete them I have never 1. XXXX XXXX XXXXXXXX # XXXX 2.XXXX XXXX -Account # XXXX 3.XXXX XXXX XXXX Account # XXXX 4.XXXX XXXXAccount # XXXX 5.XXXX Account # XXXX 6.XXXX XXXX 7XXXX-Account # XXXX 8.XXXX XXXX-Account # XXXX 9.XXXX XXXX-Account # XXXX 10.XXXX XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit.

Thank you for your cooperation
Consumer complaint received 2024-10-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (WI)

Unknow caller states that I have an uncollected debt and that I will be arrested if I do not comply with their request. They have even called my adult children with the same threats. I know of several companies that I had loans with but paid off the principal and had agreements on the remaining interest. 

Speedy Cash XXXX XXXX