davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

On about XXXX I went on a what I thought was a XXXX XXXX website to purchase a set of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$83.00} + {$6.00} est tax. I was redirected to my PAYPAL account to sign in. As I was not redirected to website to finish transaction after this, I knew something bad was happening in real time. 
I immediately called PAYPAL, & signed into my PAYPAL account on a new window. 
I filled out a dispute to these charges as this fraudulent XXXX XXXX XXXX was trying to double charge me the {$83.00} TWICE {$160.00} + XXXX. All this was happening in real time & I was shocked. Unable to get a human being on the phone from PAYPAL, I then removed my bank account attached to my PAYPAL account to stop the charges. Over the next XXXX weeks, I made separate claims for these XXXX disputed charges & fraud on my PAYPAL account. As my documents from my PAYPAL account will show, PAYPAL claimed there was no problem with the initial {$83.00} charge, even though there was no receipt of transaction, & of course I never received the product. The XXXX & XXXX charge of {$160.00} I disputed both, & my docs will show PAYPAL refunded the money back to me for # XXXX charge, & disallowed me from disputing what they thought was the same charge when I filed # XXXX case. I tried finally to speak with someone on the phone from a far away place, & they were not any help at all, & would not let me speak to a Supervisor. 
At this point, I printed all I could from my PAYPAL Account, & went to my bank, & spoke to a representative. They scanned all my docs, & sent them to the fraud department of the bank. I was in contact with this department for 2-3 weeks as they worked through this material I gave them. They didn't contact PAYPAL on my behalf which I thought was odd considering the fraudulent charges from PAYPAL were being sent to my checking account. The bank did reimburse me for charges # XXXX, & # XXXX {$160.00} + {$160.00}. 
PayPal then sent me an email saying my Account was {$330.00} in the negative. 
This is even after they refunded one of the {$160.00} charges earlier. As of XXXX, I get phone calls daily, & emails telling me my account is in the negative. I recently received a small postcard telling me there was some negative info in my credit report. 
I'm sure this is the PAYPAL issue, & was my biggest fear come true. Trying everything I thought was right to resolve this bad situation, I'm now facing the wrath of a large company going after me.
Consumer complaint received 2023-03-05
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX- account ending in XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX account ending in XXXXXXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX Services- account ending XXXX XXXX XXXX - account ending in XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account with 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 conviction 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 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MI)

I opened the Citibank Costco credit card for the rewards program. They have 4 reward categories ( 4 %, 3 %, 2 %, 1 % ) for different types of purchases ( gas, restaurants, costco, etc ), however, you can not see how any of your purchases align with the rewards as there is only a lump sum earned for each month visible to the customer. Unlike my XXXX card which itemizes and display the earnings, I find this to be a significant concern so I contacted Citibank to ask for an detailed report to show how the rewards were being accumulated. I was connected with a very rude supervisor ( Mynor # XXXX on XX/XX/year> at XXXX EST ) and told that this isn't available and that there was no process for filing a complaint or to address my concern. This response elevated my concern in light of some recent publications regarding credit card companies inconsistently or inappropriately appling these promised rewards to customers. I don't understand why they are not able to show how they arrived at the reward values and am concerned about the transparency of this rewards program.
Consumer complaint received 2018-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Hi dear PayPal team! 

My account : XXXX has been limited and I need to appeal or remove these limitations from it since I need to use it again : XX/XX/2018 : We need some more information about some of your recent sales. 

( Your case ID for this reason is XXXX. ) XX/XX/2018 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) I need to appeal or to remove these limitations and I would be so happy to continue using PayPal. 

Best regards, XXXX XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Columbia Debt Recovery XXXX XXXX XXXX was informed last month via CFPB that the alleged debt reporting on my credit report was inaccurate, and they were asked to remove the account and remit payment for the number of violations. They proceeded to send paperwork that does not match the balance on my credit report, nor does it state that I entered into an agreement with them. I contacted the original creditor and the documents sent to me does not align with those of the collection agency. Furthermore, this collection agency XXXX is not active in the state of Texas, which I will attach to this complaint for reference. Lastly, the original creditor, XXXX XXXX XXXX, was involved in an XXXX lawsuit last year due to price fixing and other violations. I am under the impression that both companies are involved in illegal practices. I am once again demanding the removal of the following account before this is escalated to legal measures. Again, the payment for the violations of your company is to be remitted to the address on the invoice. Your paperwork claim that the alleged debt is {$5300.00}, yet my credit reports each month says something different. Currently, it is stating a balance of {$5300.00}. This also does not coincide with the paperwork from the original company. You have no license to collect any debt in the state of Texas. I have attached all documents for your reference. This account is to be removed immediately.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2023, I paid {$150.00} annual fee. In XX/XX/2023, Capital One decided to close my credit card without disclosing one. Capital One did not refund the annual fee, did not pay out the {$200.00} statement credit for spending {$200000.00}, and held on to my credit balance of more than {$20000.00}.
Consumer complaint received 2024-02-12
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (AP)

I purchased a {$500.00} XXXX XXXX card from XXXX XXXX XXXX shopette. I immediately went to my car to call customer service because I wanted to check the balance and it was not displaying on the website on the back of the card. The first operator I spoke to said there was {$500.00} on the card and there was maintenance on the website. After about XXXX minutes I tried again and saw that XXXX purchases to XXXX XXXXXXXX were on there. XXXX charge was XXXX, and the other was XXXX. After seeing those charges I called the card company back and they told me they can close the card but check back after 14 days to dispute it. This is utterly embarrassing, as people do not deserve this! How did anyone get my card information?! Could it have been the customer service rep!? I just want me money back and someone to be accountable for this. I am a XXXX serving in XXXX XXXX and this is XXXX.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

online for aidvantage i made the payment. i got an email thank you my payment has been posted. i got another email of new documents information. i went online to check and shows payment not processed. there is also a document online showing i was placed in forbarnace but my account is showing past due. i called was told i am in forbarance and then later in the call after being placed on hold for a long time was told i am not in forbarance and that a letter was sent that my payment was not processed they could not find my account. makesno sense cause my bank accounts are vaild and i have money in there. she really didnt want me to talk to a manager. i explained i am seeing and being giving misleading information and this will affect the srudent loan forgivness. she placed me on hold and then eventaully was asked to input the 4 digit id number of the person i was transfered yo but was not given anything. i am concern my accounts are being mishandled and i am being given different information
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm trying to get help because a family member of mine open my mail without consent and use all my benefits without my knowledge I just need to know what steps I need to take to file this complaint where I can receive my benefits I also have tried to freeze my personal information so they won't have any more access to my identity
Consumer complaint received 2023-09-15
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I was picking up the customer when I picked the customer up and customer stole my phone from my hand and run off with my phone there for I had all my banking information on my phone and they did wire transfer and stole my money over {$14000.00} and more they Also transfer the money to few accounts and also they did online ordering from XXXX XXXX and ach transfers I was victim of robbery and I had all my money from my account taken out by my XXXX passenger when they stole my phone they took out money from my chase bank my business account and personal account on XX/XX/XXXX there was a transaction of {$2100.00} ach  transfer and same days there was multiple transactions ach transfers for {$42.00} another one for {$100.00} and continues to XXXX XXXXand continues to {$37.00} another one for {$2.00} again on XX/XX/2023 there was more transactions such as {$450.00} and continues down to another {$500.00} again on XX/XX/2023 online domestic wire fee for {$25.00} again on XX/XX/2023 there was a wire transfer ach for another {$500.00} and one more transaction on XXXX XXXX XXXX for {$7700.00} and it continues down to my personal account from. business account on XX/XX/XXXX they ordered XXXX eats from my personal banking for amount of {$3.00} and again on XX/XX/XXXX they ordered for {$15.00} and again on XX/XX/XXXX they charged me fro {$20.00} and again on XX/XX/XXXX they transferred from my personal account the amount of {$2300.00} and this are all the transactions that was made from my personal and business account.
Consumer complaint received 2024-06-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (ID)

Called in to Rise on XX/XX/year> to close out this loan via payment. Their interest rate was so high and had been paying them for a long time that they offered for me to pay it off without the extra interest. 
They informed me that if I paid a certain amount, they would close the loan and list it as paid in full, and my loan term for this loan would be over. I verified to make sure the call was recorded and I was guaranteed that if I paid them, it would be marked as paid in full, and not report as settled for less with the credit bureaus. I would not pay off the loan that day if they reported anything other than paid in full, complete and closed as a positive on my reports. 
Rise customer care manager XXXX XXXX had me pay this on a recorded call @ XXXX on XX/XX/year> ; that this account would report paid in full, period. If it showed up in any other way to file a report to have it corrected. 
Now it is showing reported as settled for less than full and my credit took a hit. 

Rise lied to me to obtain payment and then reported to the bureaus in a way they said they would not and it hurt my score. 

This call was recorded and Rise needs to take action to correct this on my reports. It should be listed as paid in full and account closed and not show it was settled for anything less than the full amount as they guaranteed me on the phone call.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (NV)

After checking my credit report I recently realized that my mortgage company M & T Bank were reporting a 30 day late payment for XX/XX/year>. Right away I realized that was a mistake. I have recently experienced a financial hardship and was approved for assistance on paying my mortgage loan through a company called " Nevada Homeowner Assistance Fund, ( NHAF ). '' Immediately I logged onto my account to confirm when my initial mortgage payment started. After logging onto my account it stated that I was " approved and funded '' on XX/XX/XXXX of 2023. It also has a section labeled " status '' that confirms whether a payment is processing, pending or has been paid. My Status for that payment is recorded as " paid '' on XX/XX/year> ( XXXX ). I tried to print that information as well but the page kept getting cut off on that section, but you can clearly see the " Paid, 11 '' which is a clear indication that my mortgage was paid in XXXX. I will upload the document so you can see exactly what I'm explaining on this complaint. All of this information proves that I was never 30 day 's late on making my payment in XXXX, I paid on time within the 30 day timeframe. 

I called M & T Bank to explain what they were reporting to the credit bureau was incorrect and it should be an on time payment rather than a 30 day late payment. They continued to say " our records show you were 30 days late, and you have to make a dispute with the credit bureau. '' Once I made a disputed for the 30 day late payment they denied my request to correct the mistake, which led me hear to file this complaint.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These loans from XXXX XXXX for XXXX ( Graduation in XXXX ) in XXXX, OH originated XXXX or XXXX years ago and reflect balances on Transunion from XXXX XXXX. They have been sold to several companies a few times over resulting in the dates being as recent as XXXX. They do not appear on XXXX at all. There has never been a single payment made on any of the XXXX accounts in question ( balances- {$1900.00}, {$1100.00}, {$3900.00}, {$4800.00}, {$7700.00} and {$9300.00} ). I contacted XXXX and was able to verify on the website that no student loan of any sort is listed in any of my accounts. Transunion has the XXXX above amounts listed ( I did make a dispute ). I spoke with the Department of Education and they attempted to scare me and bully me into making a payment or entering into a repayment plan, I declined to do either. The department of education also claimed that I owed over XXXX! I am unable to get a home loan for myself and my kids while I'm surrounding a divorce from my husband. I don't know where else to turn. Please help!
Consumer complaint received 2023-09-15
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. (NC)

I XXXX XXXX examined my credit report and found a late payment dated XX/XX/2023 from XXXX  XXXX. According to Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A late payment or credit note is consider a transaction. 

Account Name : XXXX  XXXX Account Number : XXXX Please remove this negative item from XX/XX/2023 and update to current/terms met.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my XXXX XXXX American Express card account, issued by American Express. I am deeply dissatisfied with the recent changes to the card 's benefits, which have rendered the card significantly less valuable to me as a consumer. 

I have been a loyal customer have held the XXXX XXXX American Express card for 1 year and have been a Skymiles member since XXXX. I initially signed up for this card because of the enticing benefits it offered, including [ paid XXXX XXXX XXXX access, priority boarding, and boosts when spending {$25000.00} and {$50000.00}. ]. These benefits were a major factor in my decision to become a cardholder and to continue paying the annual fee. 

However, I was recently informed that effective XX/XX/XXXX, several of the benefits that initially attracted me to this card will no longer be available. The specific changes that have been announced, such as [ the removal of MQMs to earn status, and the removal of complimentary XXXX XXXX XXXX access ], significantly diminish the value of the XXXX XXXX American Express card for me as a customer. These changes were not communicated clearly or with sufficient notice, leaving me feeling blindsided and betrayed as a loyal cardholder. 

I believe these changes fail to meet the standards of transparency and fairness that consumers should expect from their financial institutions. I have made significant financial decisions based on the promised benefits of this card, and the sudden withdrawal of these benefits has put me at a disadvantage. Not to mention, I just paid the {$250.00} annual fee less than two months ago. 

I kindly request that the CFPB investigate this matter thoroughly to ensure that American Express upholds its responsibilities to its customers and adheres to all relevant consumer protection laws. Furthermore, I urge American Express to provide affected cardholders with a fair and equitable resolution. 

I appreciate your attention to this matter and look forward to a timely response. You may reach me at the contact information provided above should you require any further details or clarification regarding this complaint. 

Thank you for your assistance in addressing this issue.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$850.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-15
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.

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.