davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/year>, I ordered a XXXX package from a seller who assured me to go on Paypal for it's protections for the transaction. On XX/XX/year> I received a damaged XXXX delivery from a seller. The XXXX box received was full of dents and punched in making the product I received essentially unusuable with pieces cracked inside and damage. I contacted Paypal immediately explaining this issue and was reassured that Paypal 's Buyer Protection would protect me as one of their policies for an item being significantly not as described is the package being damaged during shipment. Unfortunately, not only was I not protected but my case was closed. Every time I tried to appeal, the representative on the phone seemed very sympathetic and thought I definitely should have won as the item received was clearly damaged. However, my appeals were denied in favor of the seller. They stated that they could not protect me since the package was apparently damaged after shipment. When I asked for evidence showing that the package was fine upon delivery, they ignored me. 

Going onto the XXXX website to check on the tracking, under proof of delivery is a picture of the delivery mans legs. The seller, XXXX warehouse or the delivery driver among others could have damaged the package during shipment. Contacting XXXX and even they said it was weird the deliveryman did not take a picture of the package but instead of their legs which I have attached as an image below. Paypal further advised me to open a XXXX claim which I did and reported the damage and XXXX accepted there was damage. However, the seller was uncooperative and send a nasty email after the Paypal case was closed in their favor essentially laughing at me. I have attached the image in this case. 

I am asking for some sort of compenstation or restitution from Paypal for this issue. Even if a full refund/replacement or return is not possible, I would like Paypal to issue me some sort of courtesy credit or partial compensation for this matter.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion account. 

Able to create an account ; however, shows as processing and never goes any further. 

Verified account created by be able to log into website. No email, or anything to verify account created. 

Have tried multiple times to freeze credit reporting on website but all it does is process. 

I don't know if credit reporting is froze or not. 

Have tried telephoning TransUnion and tried to contact online support ; however, I do not get a response from either. 

If my credit is frozen, how am I assured that when I need to unfreeze my credit reporting, I am going to be able to? 

Also, why are they requesting personal information, social security number, when I telephone TransUnion? It's a credit bureau reporting agency. They should know better. 

Gives me great assurance that a credit reporting bureau operates at top notch. 

This bureau should be shut down if they are not able to provide services.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I recently found an account on my XXXX  credit report by a company named SYNCB/WALMART. I'm not sure why this account is on my credit profile. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I will include and attach my full explanation document to this report.
Consumer complaint received 2024-08-19
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: M&T BANK CORPORATION (GA)

To whom it may concern : M & T Bank XXXX XXXX, NY overseen by the ( XXXX XXXX XXXX XXXX XXXX XXXX ) filed a work order ( date unknown ) with XXXX XXXX  to secure and winterize my mothers estate which is under contract with a realtor. Real-estate signage is posted in the front yard indicating the property is under contract. The interior and exterior of the home are well-kept and clean. A fluorescent green sign was placed by an unknown individual on the front door on XXXX XXXX, 2024, indicating the property was vacant/abandoned. I am unsure who made this assessment. On XX/XX/XXXX, XXXX XXXX removed the front door lock via a drill and gained access to the estate as evidenced by metal shavings on the front porch. A family friend presented to mow the lawn and stated all doors were open and that the winterization process had begun. He reached out to me immediately to inquire what was happening. The XXXX employee told my friend, it was a bank that had ordered the securement. I did not receive verbal, written, or certified communication from M & T Bank or a foreclosure attorney. I filed a police report to document the unlawful entry and damage and have requested the report ( XXXX ). 
XXXX XXXX  XXXX action is not justified and unlawful. I was appointed estate executor on XXXX XXXX, 2022, and my mothers XXXX was satisfied ( {$12000.00} ) on XXXX XXXX, 2023. The Notice of Cancellation of Notice of Pendency was also filed on XXXX XXXX, 2023. All paperwork is on file in the XXXX XXXX XXXX XXXX. 
The XXXX XXXX XXXX XXXX XXXX for M & T verbalized that the securement was an error due to an internal coding issue. 
Furthermore, XXXX XXXX was trespassing at XXXX XXXX  XXXX direction. XXXX XXXX damaged the front door with hammer marks, which were not present before the securement. Our family friend observed the following actions : the well water had been shut off, an air compressor was present in the basement to remove water from the lines, and he observed a gallon of antifreeze. On XX/XX/XXXX, our family friend walked the home to ensure no additional damage was noted. He discovered a dripping water valve, where the water had been turned off. 
Please investigate these illegal actions, abuse of power, and negligence. 
At the very least, I expect compensation to replace the damaged door. I also expect an apology from the management team, the XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX since he does not accept responsibility and repeatedly justifies M & T XXXX actions. I am still shocked that M & T Bank failed to review the associated paperwork before directing property securement. I requested a response to resolve the incident and have received no written or verbal resolution as of XX/XX/XXXX XXXX.
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/year> I was the victim of a scam on XXXX. A XXXX friends account was hacked and was selling tickets. I didn't know it was hacked so I XXXX money for tickets that did not exist. I Had asked for pictures, confirmed they were real, the hacker provided all of these things. I XXXX  from a credit card to ensure if it was a scam the money could be stopped. Once I realized it was a scam I froze the XXXX  but Venmo still sent the payment and they won't freeze the scammers account and get the money back. No money has been taken from my credit card account but my Venmo is now frozen. There should be a way for Venmo to track down this money, there is 100 % traceability but Venmo says they wont do anything about it.
Consumer complaint received 2024-08-19
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 (MS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DISCOVER BANK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Hatfield, Inc. (IL)

GRID site says due to banking issues with there partner don't add money. It has been like this since XX/XX/2024. I can't use it and it seems like something illegal is happening. It's also asking me to sign off on a higher credit limit, but can't pay them at all. I need this removed off my credit, we are in XXXX and I can't contact them and they have all my personal information.
Consumer complaint received 2024-07-28
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP (NJ)

Phone number listed for Attorneys at law on application for wage execution is not a functioning number. XXXX Website to make payment or dispute the debt is only active on home page. It will not let me log into my account. Main page of website is looks functional, yet you are not able to make payments. I have tried to make new account and sends error that i already have a active account. Reset password multiple time and will not let me log in. 

Signed up for auto pay and stopped after 2 months. 

Wrote letter to not contact employer and reached out to my HR department
Consumer complaint received 2024-08-17
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 (KS)

I had XXXX XXXX  direct deposited into my venmo account. I made a tap to pay purchase from a convince store that was approved. When I went to transfer the remainder of my funds from my venmo account, through theiXXXX XXXX option, to my PayPal account which is also XXXX in order to do just. My transfer was denied, when I called into venmo, the customer service representative, refused to state or have a reason why I couldn't transfer funds through their option to do exactly that, she disconnected the call, and ten minutes later my account is mysteriously frozen for review. It was done intentionally by their cars and the company refus e to provide any specific reasons for the freeze, and refuses to release my funds
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is| XXXX XXXX. 
My XXXX XXXX Number 's is XXXX Re : Consumer Financial Protection Bureau Complaint Case # XXXX ( responce ) To Whom it may concern.. 

Law XXXX XXXX XXXX XXXX ( XXXX ) - XXXX in case of disputed accuracy. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX  again claims that the disputed information on these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX were verified but still contain inaccurate, unverifiable information. According to XXXX XXXX XXXX, the information is correct and accurate and their position remains the same regarding my first and second investigation of the accounts described above. I tried to correct the information twice but I still see obvious errors in my credit report. 
I have paper evidence included in this letter showing that XXXX XXXX XXXX ( YES ) has errors in their reports and the information is not accurate or precise XXXX XXXX XXXX has violated XXXX U.S.C. Sec. XXXX ( a ) of the consumer rights and is still reporting inaccurate and different information in each credit bureau. 

XXXX XXXX XXXX not report the day of closing of the account, that information is incomplete and not verified. present proof of that XXXX XXXX XXXX reports account opening dates incorrectly, that information is incomplete and not verified, present proof of that. 

Under the law XXXX XXXX Code XXXX ( XXXX ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned XXXX XXXX XXXX multiple times about the accuracy of these accounts and XXXX XXXX XXXX has not been able to correct the errors,,, the law XXXX XXXX Code XXXX ( XXXX ) stipulates that after reinvestigating an account disputed by the consumer ( XXXX ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be removed immediately. 

I demand that my written evidence in this disputed be reviewed and that XXXX  XXXX XXXX  delete the account at XXXX XXXX and XXXX, and enforce the law XXXX XXXX Code XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I checked into XXXX XXXX in XXXX. 

The hotel incorrectly charged me for my full room stay during check in and assured me the charge would be cancelled. 

When I checked out on XX/XX/XXXX, I paid for the full room stay + incidentals. 

The following 2 transactions were charged to my Chase credit card account by XXXX XXXX XX/XX/XXXX XXXX {$2300.00} XX/XX/XXXX -> {$2500.00} Attached is documented evidence of the hotel reservation, initial XX/XX/XXXX charge, failed cancellation attempt, final charge, and final invoice. Documents from the hotel are in local currency. 

When asked by Chase to remove the initial charge, they agreed with the hotel that both charges are valid and reference the single invoice as evidence to justify both charges. They are unwilling to credit me the original {$2300.00}.
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: Experian Information Solutions Inc. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM ******* EXPERIAN
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

Citibank continues to hold my funds XXXX since XXXX. They are double charging my account for each debit card purchased and incorrectly managing my balance. I went into the branch on XX/XX/24 to speak with a manager located on XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to advise her that my account has been double charged for every debit transaction, there were XXXX separate transactions from different companies, {$9.00}, {$11.00}, {$24.00}, {$550.00}, that were being charged twice causing my account to be in the negative over a {$1000.00}. Also, that staring on XX/XX/24 my account balance has been wrong. I had a total balance of $ XXXX on XX/XX/24 then a check cleared for {$1200.00} on XX/XX/24 and my balance went negative from {$1700.00} to - {$13.00}. She called citibank services and advised them of the double billing and citibank said it was the merchants that are double charging. The branch manager said that it was not possible that every single merchant, that serval merchants and companies are incorrectly double charging my debit card that it had to be a mistake on citibanks end, that it wasn't XXXX transaction or XXXX company but several transactions from several different companies. Every debit transaction from different companies is still being double charge against my account/ even after notifying them of the mistakes and my account is still in the negative to this day XX/XX/24
Consumer complaint received 2024-10-15
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I acknowledge receipt of the documents your company provided regarding the alleged debt. However, the information in these documents does not align with the records from the original creditor, raising serious concerns about the accuracy of the balance being reported.

Additionally, your company has a known history of adding unauthorized fees, as evidenced in cases such as Johnson v. Columbia Debt Recovery, where the court found your organization liable for emotional distress and statutory damages due to improper collection practices. The precedent established by this case demonstrates your companys tendency to misrepresent debt amounts and continue adverse reporting even after being made aware of errors.

Furthermore, the " date last active '' on this account is inconsistent across credit bureaus, suggesting that the account may have been re-aged to your advantage. This practice violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete.

I am formally requesting that you remove the inaccurate information on my credit report to comply with FCRA standards. If these issues are not resolved within 30 days, I will pursue all available remedies, including seeking legal action for emotional distress and statutory damages under the FDCPA and FCRA.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

On or around XXXX I received a letter saying that my credit card would be cancelled. I requested to reconsider this request as my credit report had been drastically altered within the last 60 days. I submitted this request via phone on XXXX, as well as by mail on XXXX. Citibank failed to supply requested documents and the outcome of the appeal. I have called multiple times and have spent over XXXX cumulative hours on the phone. I am perpetually transferred between Fraud and Customer Service with no resolve.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

Citibank continues to hold my funds hostage since XXXX. They are double charging my account for each debit card purchased and incorrectly managing my balance. I went into the branch on XX/XX/year> to speak with a manager located on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to advise her that my account has been double charged for every debit transaction, there were 4 separate transactions from different companies, {$9.00}, {$11.00}, {$24.00}, {$550.00}, that were being charged twice causing my account to be in the negative over a {$1000.00}. Also, that staring on XX/XX/year> my account balance has been wrong. I had a total balance of XXXX XXXX XXXX XXXXXX/XX/year> then a check cleared for {$1200.00} on XX/XX/year> and my balance went negative from {$1700.00} to - {$13.00}. She called citibank services and advised them of the double billing and citibank said it was the merchants that are double charging. The branch manager said that it was not possible that every single merchant, that serval merchants and companies are incorrectly double charging my debit card that it had to be a mistake on citibanks end, that it wasn't one transaction or one company but several transactions from several different companies. Every debit transaction from different companies is still being double charge against my account/ even after notifying them of the mistakes and my account is still in the negative to this day XX/XX/year>
Consumer complaint received 2024-08-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (AL)

Information is incorrect and currently reporting incorrect on credit report. According to Florida statue 83.48, I am not responsible for the attorney fees due to eviction case being dismissed and no judgement amount was set. Also, the fees being charged were supposed to be collected before move in so I would like proof that those fees were not collected. As for water, I would also like an itemized statement for usage of water. While this information is being updated, I think its very important to remove from my credit report until the balance is properly updated.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Letter to : XXXX and Transunion I am writing to express my frustration with the inefficiencies in your credit freeze system. After successfully creating an account and freezing my credit, I attempted to log in again only to find that my credentials were not recognized. This is unacceptable for a service that is supposed to protect my financial security. 

Furthermore, the phone number published on your website is entirely unhelpful for resolving this issue. Instead of reaching a human representative, I am forced to interact with an AI bot that is insufficiently programmed to handle my request to unfreeze my credit. This lack of direct, human customer support is both frustrating and alarming. 

My request is simple : unfreeze my credit immediately. I demand to be restored to the position I was in before attempting to use your service. I would rather risk exposure than continue to be manipulated by a system that leaves me helpless and unable to access my own financial information.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc. (PA)

I have recently obtained a copy of my credit report and have noticed the following inaccurate account. This incorrect account is negatively affecting my credit rating and causing me unnecessary financial strain. 

The amount was {$XXXX} AND OPENED XXXX XXXX.