davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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 (OH)

Proof that your specialist XXXX baited me into taking an action so that he could suspend my account. And proof that all the cards I tried to add during his temporary fix were mine. I was trying to add as many cards as I have because he said the fix was temporary. I didnt want to have to go through the whole process of reaching you again. Then AS SOON AS I added my cards, he suspends my account. Absolutely unacceptable considering I didnt use it a smidge at all except for trying to add my cards. 

Also delete any other accounts in my name. I did not authorize their creation. My brother created them in my name while I was in a psychiatric hospital from XXXX til XXXX. He killed himself last year. So Id appreciate you getting rid of those accounts. Also delete the expired card on my account. Also it says I have a business account. I dont! Get rid of that. 

Reference prior cases in which you 1. Suspended me, 2. Accused me of submitting a fake ID and then got proved you were wrong and it was real, 3. Unsuspended me, 4. Wouldnt let me add a card, 5. Gave me EXPLICIT instruction that youd enabled me to add a card, 6. Suspended me AGAIN immediately after I added my cards. Absolutely ridiculous and baiting me into taking an action so you can shut down my account has to be some form of illegal under banking regulations and I am determined to find this law. You cant just manipulate people like that when it comes to finance. 

Prior cases : XXXX XXXX XXXX READ THEM ALL. 

Attached is your own email with explicit confirmation that I could add a card. All my cards that I tried to add with my name on all of them. My drivers license. 

Fix this once and for all, and please terminate XXXX XXXX for his blatant negligence and baiting me so he could deactivate my account. 

You are YET AGAIN wrong in your accusations against me and yet again being proved as such.
Consumer complaint received 2017-11-21
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: CITIBANK, N.A. (PR)

I was reading my credit report from XXXX and found that my credit score is affected by an account of a credit card that is not mine. The account is now closed, the balance is higher that the credit limit, the account does n't receive a payment since may and my credit is suffering. It says that I am authorized user and I have n't authorize nobody and no company to put me on any credit card of nobody. The account type is " Flexible Spending ''. The account was opened on XXXX XXXX, XXXX and closed of XXXX XXXX, XXXX. The actual balance is {$3800.00}, the limit is {$3400.00} and the highest balance was {$3900.00}. On payment status it says 120-149 days late. The creditor name is CITICARDS CBNA. I called XXXX and they told me they ca n't do anything because the receive the report from the creditor, that I need to call the creditor. I called CITI and they told me that there is no account by my name and that they have credit cards also for a lot of stores and that I need to call XXXX ( the ping pong game ). Now nobody can help me and my score keeps going down.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX  XXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PR)

I was told by a XXXX XXXX representative, I was enrolled in a payment protection plan, I dis not requested in which I had been charged {$12.00} every month since I had my account. 
She ga bff e me a number to contact the program under the XXXX Bank at XXXX, I requested not to be enrolled in such plan, to receive my money back. The representative told me she did and that I will receive a letter and decision of reinsbursement in 30 days after my complaint, which was on XX/XX/2018 I had never receive such letter, I called back on XXXX XXXX, and the representative told me, because I did not received any response, the complaint will be submit again as a new one and now I have to be additional 30 days.

I asked her if they will keep doing this to discourage me, and her answer was, : '' You need to wait ''.

The number of complaint if there's really one, is XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (GA)

Starting the week of XX/XX/2024, I tried to check on all my bank accounts as I always do at least weekly. I was unable to sign in to my online Synchrony Bank Accounts that I have had in place for at least XXXX years ( some ). Any other websites or accounts I was able to sign in fine as usual. Of course I tried many times. 
I have had numerous phone calls, including today, with various representatives in different departments of Synchrony Bank, with no information available and no solution in sight. 
I spoke with a representative in the IRA Department this morning, XXXX, and he has no information, as well. He advised me he will 'contact ' the tech department and try to get an update on the problem The bank has admitted that there are several customers dealing with this issue. Of course, every employee you speak with has different or no information. Customer Service has been dwindling lower and lower over the past year, which makes this situation even more concerning. 
All they do is say, I'm sorry, we're working on it. I am unable to access my XXXX IRA accounts, and a savings account, and a XXXX account. It is now XX/XX/2024, and I have not been able to sign in and/or access my funds since XX/XX/2024. This is unacceptable, of course, and no explanation or remedy has been provided.
Consumer complaint received 2017-11-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

To whom it May concern : Verifying my report with the XXXX  agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, Bank of America XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R XXXX.
Consumer complaint received 2017-11-16
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. (PR)

I spoke to a Fraud specialist of Transunion and told them about the inquirys that appear on my credit history that i dont recognized .i send them a police report and proof that i didnt apply for those inquirys and nothing happen they still appear on my credit report.
Consumer complaint received 2024-07-05
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2017-11-14
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: CORELOGIC INC (PR)

I do not recognize the following inquiries in my credit report : 1 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 2 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 3 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 4 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 5 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 6 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 7 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Branch Messenger, Inc. (FL)

On or around XX/XX/year> I received a 1099 job offer that requires me to have a Branch Bank account. I was unable to open the account because someone else had an account opened with my XXXX and Social Security number. I do not have a name of the other party .but the email address is XXXX Their phone number is XXXX. They worked or work for XXXX XXXX XXXX XXXX According to Branch Customer Service as of XX/XX/year> the account is no longer being used. That is around the time I started freezing my credit reports. I am not sure how long this person has been using my information prior to me freezing my credit report. I had to put off opening a Branch Bank account due to my case being transferred to escalation.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One. 

I have been a victim of identity fraud. Someone has used my full identity to open a capital one credit card. After finding out of the fraud, I immediately got in contact with capital one and asked them to provide me all the details on the transaction and the details of the person who had been using the account. I also have told them I have never applied for capital one credit card and never had any card issues to me by capital one banking. 
Capital one, issued an investigation for 60-90day after several call and speaking to different departments. One a month later I contacted capital one to be told that I was the one who applied for the credit card they demanded all the arrears/ payment to be paid. All the dates and amounts of money are included down below Capital One card First noticed- XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates I have contacted and spoken to many of the capital one representative! 

I have also received a post mail from capital one asking me to provide a full personal details of mine and to provide two form of identification, which I have send the details by fax. Dated sent XXXX. 

I have also reported identity fraud to the XXXX police department. Case report number- XXXX. 

Thank you.
Consumer complaint received 2024-06-25
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. (TX)

On XX/XX/year> I submitted a dispute to XXXX, XXXX and Transuion to dispute inaccurate information on my report. after 45 days and no response I contacted each credit reporting agency to ask if they received my dispute. They all confirmed that they did not receive my dispute even though I have proof and tracking that each company did indeed receive my dispute letters. I have attached the tracking receipt with the dates and addresses of the companies. I ask that someone hold them accountable for not taking this matter more serious I have several items that need attention on my report and it has now been two months since I first started this process
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX and XXXX XXXX have been reporting information to my credit files, XXXX, Equifax, and XXXX. 
In accordance in the fair credit act. These creditors have violated my rights under 15 USC 1681 section XXXX. It states I have a right to privacy. Also 15USC1681 section XXXX section XXXX states consumer reporting agencies can not furnish an account without my written instruction. 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

This XXXX, upon move out notified me that there was a charge. After contacting them via email they stated it was due to a carpet charge. I provided them with a video of where my apartment was left in the same condition it was leased to me in including the carpeted area where they stated had " heavy traffic ''. They sent pictures of someone else 's unit and demanded I make a payment in 30 days. I asked that they provide proof with actual pictures from unit again and they did not '. What they did do was turn me over to a collection agency less than 30 days after telling me I had 30 days to resolve the matter and without providing sufficient proof of the debt.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
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 (MO)

Our mortgage was recently transferred to Newrez, LLC. They are authorized to take one mortgage payment per month from our checking account via XXXX, due on the XXXX of every month. Newrez took two mortgage payments out of our checking account for the month of XXXX - XXXX on XX/XX/year> and another on XX/XX/year>. They refunded the XX/XX/year> ACH payment on XX/XX/year> via an incoming wire transfer to our bank account, and we were charged a {$15.00} wire transfer fee by our bank, even though we did not initiate or authorize a wire transfer. I called our bank who said we would need to seek reimbursement from Newrez since Newrez initiated the wire transfer. I called Newrez on XX/XX/year> and was told that this had happened to numerous mortgagors and they would refund the wire transfer fee no later than XX/XX/year>. The {$15.00} fee was not refunded by XX/XX/year>, so I called XXXX again today, on XX/XX/year>. This time they said I needed to send proof of the {$15.00} wire transfer fee. Then the representative said never mind, she already had proof that we were charged a fee, and she said the issue has been resolved. When I asked how it was resolved, she said a refund has been approved but has not been issued. I asked when it will be issued, and she said she can not tell me when because the issue affected a lot of other people so it is going to take some time.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I received a tax refund check in the mail. Opened a chase account, deposited the check on XX/XX/XXXX and they automatically stated the check was fraud and my account was restricted. I called multiple times and every person that answered said something different. The check cleared XX/XX/XXXX, wasnt able to make any transactions. Until i finally went into the bank XX/XX/XXXX the operator the day before said to bring my tax transcripts in to verify my check. The banker faxed the transcripts to a higher up. Called the next day another operator stated they dont even accept paper being faxed in. Banker informed me after all this time that even though my account was restricted i can still withdraw money. The next day chase closed my account with a statement on the account saying debit dda-check charge so i called and they said they was sending a check in the mail. Days go by and nothing. So i called again they said they still cant verify the funds so a check can be mailed out even though XXXX of the operators said she verified my check. Now chase is holding on to my money saying they cant verify it even though i sent documentation and the operator verified my check over the phone. I even had to go into the irs to verify my identity on XX/XX/XXXX. Also have the email dated for that appointment.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma (OK)

On XX/XX/2024 I had reserved a rental thru vip rentals for XXXX when I got to the rental company I had a major credit card for the XXXX deposit. When I tried to use my credit card, the chip reader wouldnt read my card. The manager refused to manually enter my card number so I never got to rent the vehicle. I spoke with XXXX and they told my rentals never paid them because the transaction never happened. I called, emailed rentals with no success. Do I filed a dispute with my bank bc I never received the rental and the rental company never received my money I paid vip to rent the car. I just received a email from my bank telling me they found no error on part of vip. There was no error it was they was paid for a product I never received and they refuse to credit my account back. They got paid for services that was never provided.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

I made a payment on my XXXX XXXX credit card of {$850.00} XXXX has my money but won't release it until 17 days from now, on XX/XX/XXXX. 
I asked why. They gave me no reason. 

I said, " so, you penalize people who pay their bills. '' The rep said no they don't, but that is EXACTLY what they are doing. 

My credit limit is {$900.00}. I need the {$850.00} to pay my internet bill and my cell phone.
Consumer complaint received 2023-05-03
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. (PA)

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 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 accurate.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XX/XX/24 at XXXX I went into the branch to deposit {$540.00}. It was six {$50.00} bills {$200.00} bills and two {$20.00} bills. I looked down for one moment to put my card into the machine when the teller tells me my money was {$50.00} short after she counted it. I did not see her, but I counted three times in front of the counter and also in front of the cameras they are saying that they can not pull the cameras without a police summit so I am currently in the process of making this a silver matter with the courts and I also have a police report against the bank
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (DC)

I submitted a {$XXXX} deposit via paper cheque on XX/XX/2024 at XXXX XXXX XXXX to my XXXX XXXX checking account. A XXXX XXXX employee on-site stated that the branch was not open during normal hours due to an attempted break-in the previous evening. I am an attorney and the cheque is from my client 's XXXX checking account. 

XXXX XXXX  informed me that a hold was placed on the deposit, and that the funds would not be available until XX/XX/2024, which is XXXX business days after the deposit was made. XXXX XXXX stated that the reason for the hold was XXXX notating " suspicious deposit activity '' on the XXXX checking account on which the cheque was drawn. 

I believe that the length of this deposit hold violates the XXXX Funds Availability Act.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.