davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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: Galaxy Capital Acquisitions, LLC (NY)

GALAXY INTERNATIONAL PURCHASING , LLC Currently is a third party debt collection agency representing a previous creditor XXXX XXXX  at once I participated in business transactions with in the past. This collection agency has violated so many FCRA principles and laws on my behalf. No only have they harass and continue to harass various relatives of mine, theyre also sending my private information to their place of residence. As, a completed Disturbance of the peace and defamation to humiliate my family and I Im request legal action against this firm and completely removed from their call log and do not contact national list.
Consumer complaint received 2024-06-11
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. (TX)

On checking my credit today, I noticed unauthorized credit inquiries. I mailed letters to XXXX, XXXX, and Equifax disputing the unauthorized credit inquiries which are supposed to be deleted as per the Fair Credit Reporting Act. 

XXXX, Equifax, and XXXX have not removed the unauthorized credit inquiries from my credit report to date. The unauthorized credit inquiries are : XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-06-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc. (FL)

I received a XXXX XXXX card from my job in XXXX as a performance award. I did not pay attention to the expiration date but realized when I went to use it in XXXX that it had already expired in XX/XX/XXXX, less than a year after I got it. In XXXX, I contacted the company on the card ( first via email, then phone ) to see if I could get the card re-issued ( there is a fee associated ) and they stated that no, once it was expired, the funds were lost. There was over XXXX dollars on that card. 

I recently read that there is a law that says there has to be 5 years for these funds to be accessible, which would make what they told me incorrect.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (NH)

On XX/XX/2024 I contacted my bank ( via phone at the official number ) as I was locked out of my online banking account. They alerted me to some potentially fraudulent activity on my account and told me that the fraud department would call me to address the issue. The next call I received was from someone claiming to be Ally bank fraud who called themselves XXXX. This person asked for remote access to my laptop to figure out how I was hacked. I gave them access but called Ally bank again to verify that this was a legitimate course of action and was reassured that this was SOP by the Ally rep I spoke to. ( see attached phone records for timeline of calls. ) Over the course of the next couple days I worked with XXXX to address the problems. XXXX was a scammer and was able to get control of both my Ally bank and XXXX  accounts and steal {$99000.00} USD out of my ally bank account via wire transfer ( see screen shot ) to the XXXX  account he also controlled and then from there buy bitcoin and transfer that to a wallet other than my own. 
As I had been assured by Ally Bank that I was being assisted by their fraud team I didnt realize that I had been scammed/hacked until XXXX XXXX at which point I got back in touch with Ally bank to inform them of the fraudulent transfer.

From there they locked accounts, and began an internal investigation.

The money wasnt returned to our account. We were not kept up to date on the investigation even though we were calling several times a week to get an update and timeline for resolution. We were informed on XX/XX/XXXX ( 37 days after we reported the fraud ) that the investigation was complete and they were trying to reverse the transfer. Then on XX/XX/XXXX ( 69 days after reporting the fraud ) after multiple calls, we were finally told that the outcome of the investigation was that the transfer was deemed authorized. I requested all evidence and records of their investigation first through secure message in the online portal on XX/XX/XXXX. The person who responded didnt seem to have an understanding of what was happening, and we were encouraged to call to make our request. We called and were told that the records were available normally only through subpoena and to contact ally bank legal at XXXX We repeated our request to that email address on XX/XX/XXXX ( see attached email copy ). We still have had no response and the lack of communication and delays appears to be in violation of established timelines and protocols. The misinformation I received from Ally bank made me vulnerable to this hacker/scammer and I want to review the investigation records to make sure they include my calls to Ally bank wherein I was reassured that XXXX was following procedure.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 
Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy. 
Credit Card Account Charged Off : DISCOVER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

I wrote a check to XXXX XXXX XXXX for {$8200.00}, and when they deposited the check, Wells Fargo paid him {$8300.00}. 
I brought this to their attention, but to my dismay, they refused to credit me the {$100.00} payment. Instead, they removed the check from the XXXX 's account and callously refused to return it to me.They even went as far as to manipulate the situation, making it appear as if I had written the check for the wrong amount and posted it in my account for the wrong amount. 
After they removed the correct check from the XXXX account, causing me to purchase a bank check for {$10.00} plus fees to put a stop payment on the correct check, I wrote so that it could not be redeposited. 
They owe me my original check, which can not be redeposited, which they took out of the XXXX 's account. In addition to my bank check fees and the fees I had to pay to put a stop payment on the original check.
Consumer complaint received 2024-06-09
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 (IL)

On XX/XX/XXXX, I submitted a request for a name change through the PayPal app to have my account switched from my maiden name to my married name. I had been having issues linking my bank account back to my PayPal account and this was a suggestion that was given to me to try to see if that would fix the issue with the bank account. I submitted the request along with a photo of my US passport. That same day I received an email from PayPal confirming that the name change request had been completed. On XX/XX/XXXX I logged into my account and found that my account had been permanently limited and when I checked my alerts I was given a message that said an explanation for the limitation had been emailed to me. There was no such email in my inbox or my junk mail. I called PayPal customer service number and the customer service representative could not provide a reason, but she did state that the photo that was sent in of my US passport was rejected and there was a note saying that it was blurry. The representative had me submit additional documentation which was a new photo of my passport to the back office for review and stated that I would hear something back XX/XX/XXXX. I Contacted customer service again on the XXXX after I received no response. This time the customer service representative resubmitted additional documentation to the back office for review and this included again my passport photo and a copy of my marriage certificate with proof of my name change. She said that I should hear something back in XXXX to XXXX hours. I also sent an email to PayPal support. On XX/XX/XXXX I was informed that the appeal for review of my documents and the account limitation was denied, and I was still given no explanation for the limitation. I can not remove my personal info from the account and I can not close the account because I have a PayPal credit card which is an active account but I can no longer use it because my general PayPal account is completely and permanently limited.
Consumer complaint received 2024-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting this complaint after noticing unauthorized inquiries and personal information on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

I am writing to demand the fraudulent Discover account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. XXXX 's customer service requested for me to turn in the full FTC report in order for this account to be removed due to Fraud. That has been done. I attached the full report to this letter. By law, an FTC works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because Discover fraudulently changed the account number for this account. I contacted XXXX 's customer service on the phone and they thought this was a brand new account. Please review my Discover account history and you will see that this is the same account that was previously removed by XXXX, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit.
Consumer complaint received 2024-06-09
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. (CA)

Experian XXXX XXXX and XXXX are disingenuous Additionally, XXXX entrepreneurs ' credit requests are XXXX times less likely to be approved than white entrepreneurs. These statistics underscore the persistent economic disparities. However, entities like Experian, XXXX, and XXXX are disingenuous in their practices. Despite having a FICO score of XXXX, Experian still required more information from me, such as my Social Security number and pay stubs. This kind of behavior undermines trust and adds unnecessary hurdles for individuals who are already facing economic disparities. It highlights a systemic issue of racism within the credit industry, where algorithmic biases can perpetuate discrimination against marginalized groups like XXXX. And that's what they're doing : lying.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (FL)

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$240.00} Status Open. {$240.00} past due as of XXXX XXXX. 

XXXX  Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

I was using PayPal for some XXXX  years without problems making many purchases and some money transfers... .then I got message that there was insufficient funds in my bank to make a transfer I asked for ... ..actually there was a lot more than necessary ... XXXX bank I have been with for close to XXXX years wrote to me that they never received a request from PayPal for the sum I XXXX ... ... XXXXPayPal has a very bad reputation on some web sites regarding problems with resolution ... ..You may ask PayPal for all communication regarding my requests to XXXX their computer problem ... ... I am a XXXX XXXX living in XXXX... .This is XXXX fantastically well designed XXXX site for problem resolution ... ..PayPal should get equally good page designers
Consumer complaint received 2024-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (CA)

On XX/XX/XXXX my ex-husbands daughter ( XXXX XXXX XXXX ) went to the XXXX XXXX My name was somehow used and I received a bill for {$2600.00} from RPM Services ( Receivables Management Partners LLC ) after the account went into collections. 
The young lady is my ex-husbands daughter. She was XXXX in XXXX. I am not liable for her XXXX medical bills. 

On XX/XX/XXXX I responded to RPM and requested proof the following : 1. That receivables XXXX XXXX XXXX XXXX has the right to seek collection of the debt. 
2. The debt balance, including any explanation of interest or additional fees.

3. The date the debt because delinquent and date debt were sold to XXXX XXXX XXXX XXXX. The name of the creditor and the account number associated to the debt. 
5. The name and last known address of the debtor and it appears in the creditors records.

6. The names and all persons or entities other than the debt collector to which the debt has been assigned. 
7. I am also requesting a copy of the original contract or document that provides evidence of my agreement to the debt. 
Copies sent to : RMP via registered mail - XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX Tx XXXX On XX/XX/XXXX I received another bill from RMP with a settlement offer of {$1800.00} and a link to credit counseling. 

This is not my debt. I am not liable for another adult 's healthcare bill. 
I am filing this complaint because the company will not respond and this is not my debt.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION (TX)

On XX/XX/XXXX and XX/XX/year> I contacted my banker to open 2 disputes for merchandize not received. After the claim was open the bank closed my account ( I can guess that bank doesnt like customer who claim this ). Until today I didnt receive any update of the cases or letter requesting more information or supporting documents. 
The bank sent me the cashier check with the credit remaining on my account, I depossited and was returned unpaid by the bank. 
I contacted my banker and he said that the claims were denied. 
Need to know what is going on, why the bank never sent me updates about the claims or any information they need it to proceed with the charge back request.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NY)

This loan was paid as agreed and paid off with additional late fees that were disputed by myself but I felt forced to pay due to One Main requesting i pay the end part of my loan on full and included the XXXX dollars in fees. I was in the hospital for last two months and i still managed to pay off this acct as agreed as reflected on my report with all current payments. When explained and the response to the incorrect reporting was insensitive on One Mains part and this should discourage people from doing business with this company due to improper handling of situations concerning their long time customers.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received an email from Capital One saying I was preapproved for a credit card. I appliedonline and was approved for two cards. The interest rates were too high so I declined.

Within about 30 minutes I got a call from XXXX XXXX asking if I applied for a card out of Texas. He had most of my information. I said NO and he said he would transfer me to the CFPB. I got connected to another person-Zack XXXXwho went over my information and said the CFPB would block any activity using my information. He also gave me YOUR pnone #. WHen I called the number a recording said the CFPB was closed. The below is the hyperlink for the email. 

XXXX XXXX XXXX.capitalone.com/? XXXX
Consumer complaint received 2024-06-08
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 (SC)

I am writing to file a formal complaint against PayPal for permanently banning my account without providing a valid reason. My account was limited on XX/XX/year>, despite the fact that I have not violated any terms of the XXXX XXXX XXXX ( XXXX ). 

PayPal has restricted my account with no explanation or evidence of any wrongdoing on my part. I have reviewed the XXXX  thoroughly and am confident that I have not engaged in any prohibited activities. PayPal has failed to communicate the specific reasons for the account limitation, and does not provide a pathway to receive anything other than generic responses. 

I use PayPal for completely legitimate purposes, primarily receiving money from online freelance and survey platforms like Prolific and DScout. It is a necessary intermediary for me to be able to earn and transfer to my bank account, and this account closure is causing my personal hardship. PayPal is also unrightfully holding funds that are present in the account for what it says will be XXXX days. 

I request that PayPal immediately lift the limitations on my account and release my funds. Furthermore, I seek a detailed explanation for the actions taken against my account, along with a review of the decision to ensure it complies with PayPals policies and regulations. I request systematic action taken on PayPal 's side to reduce what appears to be an epidemic of unjustified bans.
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

Someone used my personal information to open savings accounts and credit cards. I feared that my indentity has been stolen. All of the sudden Im getting all collection letters and statements of items I did not get. Let alone yes they have my address but they forgot the apartment letter