davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2024 i requested a refund from a company Ive done business with using my paypal debit card. The company sent this refund to my original payment method which was my PayPal debit card. Upon receiving the refund showing in transaction history hours passed and it still wasnt released so I called PayPal upset but not disrespectful wondering what was the hold up this time as Ive been down this road with the company before all of a sudden I need account verification and a million other hoops need to be jumped through in order to recieve my money!!! When I use my debit card there arent any hoops to jump thru but upon receiving a refund I cant simply have my money sent back to the original payment method. Now they are sitting on my money awaiting me to send them banking details I have no bank or apply for credit with them I have no creditworthiness with them so Im stuck without my money not our money my money!!! The same money thats easily verifiable through my transaction history 2 parties involved this money is easily traceable yet there needs to be all these excuses as to why it cant simply be refunded to the original payment method. I am beyond upset as this is my money. Again it isnt our money I just want whats mine and I shouldnt have to fight and get my XXXX XXXX all raised because they want to play around with peoples livelihood I am a hard working consumer I need my money and not to be messed around with.
Consumer complaint received 2024-07-15
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. (GA)

Dear CFPB, I am writing to express my frustration and seek your assistance in removing unauthorized hard inquiries from my XXXX, transunion and XXXX credit reports. Despite repeatedly explaining to the credit bureaus that these inquiries were not authorized by me, no action has been taken to resolve this matter. These unauthorized inquiries are negatively impacting my credit score, and I urgently request your intervention to have them removed immediately. 

Below is a list of the unauthorized hard inquiries 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 XXXXXX/XX/XXXX I did not authorize any of these inquiries and have never given my consent for these companies to access my credit information. I have contacted the credit bureaus and the companies in question to no avail. The unauthorized nature of these inquiries constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Your assistance in resolving this issue is greatly appreciated.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FMA Alliance, Ltd. (CA)

Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Debt Collection and Validation Practices for XXXX XXXX and XXXX XXXX XXXX XXXX Dear XXXX, I am filing a formal complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX regarding their debt collection and validation practices. 

Companies Involved : XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Background : On XX/XX/year>, I requested the following information from XXXX XXXX and FMA Alliance , XXXX XXXX XXXX XXXX mail : XXXX. A detailed history of all payments made by me on this account, including dates and amounts. 
XXXX. A copy of the original contract with the original creditor, XXXX XXXX, showing my signature. 
XXXX. Proof of my signature on a contract guaranteeing payment to the original creditor. 
XXXX. Any documentation regarding insurance claims filed on this debt, if applicable. 
XXXX. Proof that they have the chain of title to collect on this debt, including documentation of the transfer of the debt from XXXX XXXX to FMA Alliance , LTD . 

As of XX/XX/year>, the company has not provided all the information I requested. Additionally, I have noticed a negative impact on my XXXX XXXX due to this issue which is defaming and impacts my ability to secure credit with reasonable interest rates, as reflected on my credit report.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (OR)

I married my wife on XX/XX/XXXX. I had only known her for a year prior. I bought my house before I met her in XXXX of XXXX. She not listed on any mortgage statements of utility bills at my residence of XXXX XXXX XXXX. XXXX XXXX XXXX, OR XXXX My wife incurred credit card debts that were sent to collections and then purchased by XXXX XXXX XXXX. Out of Utah. 

With out any knowledge or consent they placed an illegal lien on my home to collect on her debts even though the home does not have any ties to her as it is solely in my name. Holding me responsible for the debts of someone I did not even know and the debt was sent to collections years before we met. The subsequent illegal lien has cost me thousands of dollars due to denied refinancing loans/cash out equity options. I reached out to XXXX XXXX XXXX. And they refused to correct their illegal procedure regardless of how illegal their actions were.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In the past 6-8 weeks, Bank of America closed two of my credit card accounts. These were small accounts and payments were being made. I make all my payments from my home phone number, so when I called to make my on time payments, the audio assistant stated that my account ( s ) were closed. After making my payment ( s ), I asked to speak to an assistant who informed me that they closed my account because they didn't have my cell phone number, so I gave them the number, along with my SSN and the answer to my security question. They said they couldn't look at my account without my cell phone being on file. The absurdity was not lost on me, so I asked " Well how do I find out why my account was closed '' and they replied they couldn't tell me because my cell phone was not on file and they would send a letter with a number that I could call. I have not received a letter with this magic number. I feel that I am being discriminated against for .several different reasons : I am a widow, I am XXXX, I am not " wealthy '', I have a credit rating in the low 700 's, I am a woman, I don't use electronics resources to pay my bills or access my account!!!! I hope you can assist.
Consumer complaint received 2024-06-10
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. (AR)

I've viewed a copy of my credit report and noticed today that they're multiple inaccurate and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit report.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

Opened American Express XXXX card with XXXX branding around XX/XX/year>. Both the American Express and XXXX websites state that clients with more than {$250000.00} in qualifying accounts will receive a {$100.00} statement credit annually to offset the annual fee of the credit card. I have not received the {$100.00} card statement credit owed to me for having greater than {$250000.00} in qualifying holding accounts with XXXX. On XX/XX/year>, I contacted XXXX and they sent me to American Express. I then contacted American Express and they referred me back to XXXX. Neither party is taking ownership and keeps sending me back and forth to determine who is responsible for triggering the XXXX Appreciation Bonus on my XXXX card account with American Express.
Consumer complaint received 2024-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit acceptance is in federal Violation as a consumer I requested a payment history of the debt of XXXX and the down payment of XXXX dollars credit acceptance maliciously stated I only payed XXXX towards the debt after short sale of XXXX down with XXXX XXXX XXXX and the remainder balance of XXXX with credit acceptance maliciously stated they only received XXXX after records of receipt of purchase and payment history in total towards this loan the consumer has payed XXXX which includes the down payment of XXXX while the short sale company with remainder balance of debt with interest of XXXX percent has received in total of XXXX which is accurate numbers from payment history and including down payment this is a federal violation
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

XX/XX/19 Received a call from XXXX XXXX with XX/XX/XXXX XXXX stating my file was being turned over to legal and they were calling to see if they could mediate the file before it was turned into law enforcement. I fell for the scam, gave them my credit card information to start making monthly payments against the debt. Paid first payment and then was notified by bank that my identity was compromised. I tried researching the company and found nothing but scam complaints against them. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On XX/XX/XXXX I received a letter from Portfolio Recovery Associates , LLC as to an alleged debt. I do not own this debt nor portfolio Recovery Associates anything or have any business with. Attached are other instances of issues Ive had with Portfolio Recovery Associates or related companies of Portfolio, in the past and had filed complaints as seen in these attachments with related complaint # cases. 

I will be sending correspondence, via US mail as to cease and desist any further communication, which includes email, us mail, electronic or phone and XXXX  contact to me as to this alleged debt and its collection efforts along with additional certain documentation requested. 

Due to going identity reports filed, several branches of data with different companies Ive had associated with, these issues are ongoing as my credit and personal information thats well documented have been ongoing. All alleged collection communications sent to me are being vented. As a retired law enforcement official, both state and federal, my identity and data intrusion issues have been ongoing since XXXX to present. Most recently, XXXX XXXX breach and in XX/XX/XXXX, but I was just recently informed in XX/XX/XXXX, I was informed by our Department of Justice that my identity and sensitive data information was compromised in a database breach by a company : XXXX, XXXX XXXX XXXX who are used by the DOJ for investigation and litigation purposes. My personal law enforcement records and more sensitive information was obtained by bad actors. I have active military alerts on all three credit reporting agencies, have opted out of advising and solicitation marketing on all three credit reporting agencys as well. I have red flag security on soft inquiry pulls on my personal credit as well. As to this, XXXX represented by counsel and XXXX other law firms who are working together. My personal safety as well as my family are paramount to my identity and any attempts of intrusion, including claims of debt or collection allegations are taken seriously XXXX filing this complaint against this collection/Junk fee buyer to stop any illegal reporting to my credit report that would cause me to file a more formal complaint, possibly seeking a court hearing or arbitration resolution. All associated court costs and legal fees would be requested as deemed appreciate by the court in any filing, outside of arbitration, Any discovery record if any, would be subpoenaed through the XXXX Co XXXX XXXX XXXX NJ. 

I will send out the appropriate documents/ paperwork of demanding this company, Portfolio Recovery Associates , LLC to immediately cease and desist all communication efforts with me, my family or relatives as to this alleged debt. Any filing of collections on my credit report as related to this alleged debt by this company will result in an immediate complaint with the FCRA and the Federal Trade commission for further action.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MT)

Marcus Goldman Sachs closed high yield saving account. I can no longer access funds or any account information. They will not release my money. They have held ont my money now for XXXX months. I have spent hours on the phone, filled out paper affidavits via US Mail. They just keep telling me that they can not verify my account.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of XXXX  or XXXX of XXXX  my credit card was charged for approximately {$340.00}. 
I disputed the amount. 
The amount was credited. 
I believe Capital One sent a letter asking for more info. 
I lost or did not receive the letter. 
The {$340.00} amount was charged back to my credit card.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account with Wells Fargo account # XXXX has been closed and removed from my XXXX report due to these violations but XXXX and XXXX have not complied with the laws to remove this account with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : WELLS FARGO CARD SERVICE, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX Via XXXX XXXX XXXXXXXX XXXX XXXXXXXX Claim # XXXX Wells Fargo XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Wells Fargo, On XX/XX/year>, I filed a fraud claim on my debit card. Someone got a hold of my debit card # and made three fraudulent withdrawals from ATMs two hours from my house. Below are the three fraudulent charges. 

1. Non WF ATM Withdrawal on XX/XX/year> XXXX XXXX XXXX, XXXX XXXXXXXX XXXX {$53.00}. I have never been to this location in my life. Please check security cameras. 

2. Non WF ATM Withdrawal on XX/XX/year> XXXX XXXX XXXX, XXXX XXXX, XXXX  {$88.00} I have never been to this location in my life. Please check security cameras. 

3. Non WF ATM Withdrawal on XX/XX/year> XXXX XXXX XXXX XXXX, XXXX {$68.00} Again, I have never been to this location in my life. Please check security cameras. 

I am a college student and have worked hard over the summer to save for this semester. These three withdrawals are fraudulent. I am asking for a Wells Fargo representative to take my claim seriously and at least investigate it longer than 24 hours. I had my debit card in my wallet the night these fraudulent withdrawals happened which means someone must have stolen my debit card # and made a fake debit card. Please, Wells Fargo, investigate this claim further and look at security footage. I am requesting Wells Fargo send me all copies of documents used for this investigation. 
Thank you, XXXX XXXX XXXX Claim # XXXX
Consumer complaint received 2024-08-28
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. (CA)

I opened the Citi XXXX XXXX credit card where it was promoted " Earn XXXX bonus points after spending {$4000.00} in the first 3 months of account opening, redeemable for {$750.00} in gift cards or travel rewards on thankyou.com. '' I applied, got approved on XX/XX/XXXX, and spent more than {$4000.00} within two months. I called into customer service XX/XX/XXXX asking when will I get my sign-up bonus since I have met the requirements, they stated that I am NOT eligible since I have multiple Thank you accounts receiving bonus in the past 48 months. That should not be the issue since the terms and conditions is not to have received a bonus for the Citi XXXX. This is my first ever Citi XXXX XXXX XXXX  and I have never received any bonuses for that card ever. Why is Citi now changed their terms and conditions after I have paid the card annual fees and met the requirements. It's also not listed anywhere regarding the multiple Thank You accounts disqualification during the time of my application. 

" Bonus Points Offer Bonus ThankYou Points are not available if you have received a new account bonus for a Citi XXXX or Citi XXXX XXXX account in the past 48 months ''
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of XXXX Chase Bank decided to close my XXXX and XXXX checking account as well as XXXX of my credit cards without any explanation, being that all accounts have never had any issues and always been in good standing. 
I've the personal checking account with Chase for nearly XXXX  years and the XXXX checking account for at least XXXX  years, so I'd like to know what what the cause of these unprovoked account closures.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NJ)

I lost my phone and debit cards someone one got into my app account and wallet and other online banking services and placed orders with XXXX and I disputed the charges and the investigation team never investigated Anything they denied my claim within 48 hours but gave no clear evidence as to why the claim was denied except for a screenshot I sent them myself I have filed disputes over and over rebuttals over and over with NOONE EVEN TRYIMG TO HELP with at least a provisional credit and a thorough investigation!
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

I have a WELLS FARGO XXXX ending...... XXXX. I made XXXX payments to the outstanding balance up to XXXX XX/XX/year>. The last date for the balance for the last billing period is XXXX XX/XX/XXXX. After XXXX XX/XX/XXXX, I tried several times to make payment from my non-Wells Fargo account but was denied each time and the following advisory popped up : Pay My Wells Fargo Accounts Error You have reached the daily or monthly limit for the number of online payments to this account ( XXXX ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment.==== I called up the given number and lodged my protest as to why I was asked to open a Wells Fargo account to make payments toward the outstanding balance due. I also mentioned that I am going to raise this issue with the competent authority as I have never heard of such an arbitrary limit to a number of payments towards the outstanding balance.
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

I called the collection agency and told them that the debt I seen on my credit report was not mine and that it was obviously identity theft I had no knowledge of the debt I asked them to investigate and I asked them to remove it from my credit report they've been sent me a letter in response saying that I needed to provide all kinds of information and paperwork that I did not have, so I filed a dispute with the credit reports and it's still on there and I needed to be removed I have no knowledge of this that or several other things on my credit reports I believe my identity has been compromised