davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Payfare International Inc. (TX)

I put a mobile order in for XXXX. The charge was for {$11.00}. When I arrived I was told the systems were down and they cant make the order. I was told to get a refund through the app but all they offered me was a coupon. Im not interested in a coupon I just want my money refunded. I contacted Payfare to dispute the transaction but they tell me to contact the store and they cant help me. Ive contacted both Payfare and XXXX regarding my refund and neither are willing to help
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MI)

XXXX of XXXX. Venmo frozed my account with a remaining balance of {$7200.00} Its XXXX of XXXX! Four years later my funds are still frozen on the same account Venmo closed and hasnt issued my funds.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/1983 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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: CITIBANK, N.A. (AR)

I have had a Best Buy Visa since early XXXX I have used it to make several large purchases and pay them off through promotional payment plans ( pay off in x months for XXXX interest ). Although this is a Best Buy Visa, I have used these promotions to pay large purchases outside of Best Buy. In XXXX of XXXX XXXX, I made a purchase and they did not honor the promotional payment plan. When I called to find out why the purchase wasn't added to a promotional plan, I was told my card was changed to a different kind of card. I had received a new card in the mail, but when I received it in the mail, I just thought the old one must have expired. There was no information about any policy changes with the t new card. 

I made a couple purchases last year that went on promotional plans. I recently noticed that my payments are not going towards my promotional balances. The only option I could find online to address this was an option to request that all payments above the minimum be applied to my promotional balance. I went ahead and selected this option until I had to call and find out what was going on. 

I called today and was told that my payments go to my minimum payment first and then anything over goes to my promotional payment. When I explained that I have paid several promotional balances off and my payment has always gone to my promotional balance first, she just kept repeating that the payment goes to the minimum balance first and refused to acknowledge any change in policy. When I asked why no payments above the minimum have been applied to my promotional balances, she said because I just recently selected the option to have my payments above the minimum applied to promotional balances. Again, I have paid off SEVERAL promotional balances and have never once had to go in and select that I wanted any portion of my payment to go to the balance. It has always been applied to the promotional balance first. Of course anyone who uses a promotional plan to avoid interest wants to pay off that balance first. I was never made aware of any of these policy changes.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Between XX/XX/XXXX and XX/XX/XXXX, PayPal exhibited abusive behavior repeatedly without any provocation, despite numerous attempts on my part to find resolution. 
During the span of XXXX week, PayPal intercepted XXXX separate, legally acceptable business transactions, which directly impacted the daily operations of the business, as well as froze all assets in the business account. 
Holds were placed on standard money transfer transaction, and/or returned to sender in a manner that Implied that my company engages in illegal activity. This ultimately lead to the customer canceling all upcoming projects ( totaling {$9000.00} ) due to new concerns. During this time, over XXXX hours were spent with PayPal customer service during working hours to resolve the issue
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (DE)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Payfare International Inc. (CA)

On XX/XX/year> I used my XXXX XXXX from XXXX, at a XXXX ATM at the XXXX at XXXX XXXX XXXX in XXXX CA. I tried to withdraw {$100.00} dollars and the transaction was denied due to my financial institution declining the transaction. I tried to withdraw again and I had the same error. I went to check my balance and XXXX dollars was missing. No money was dispensed by the ATM and my card got charged. I called the XXXX ATM customer service and they said they could not help me as I have to do a dispute with Dasher Direct. Next I called Dasher Direct support and they had me fill out a form to dispute the claim and I submitted the information but have not heard back from them ; not even a confimation email from them.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX is reportingan alleged debt for devices already paid off. The only instrument I still pay for is an XXXX XXXX XXXX on a different account. I have submitted proof that I still pay for this device to XXXX  under XXXX account # XXXX. XXXX XXXX XXXX is also reporting an alleged debt on my credit report ; I have repeatedly stated that this account is fraudulent, and nothing has been done.
Consumer complaint received 2024-06-17
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (MO)

Per the CFPB rules listed here : https : XXXX, Prince Parker didn't fulfill their obligation of contacting me before reporting my debt to a credit reporting agency. 

The only communication I have received from Prince Parker about this debt is the attached letter mailed on XX/XX/year> and I received it today, XX/XX/year>. 

I paid as soon as I found out about the outstanding balance via credit monitoring ( attached payment receipt ) I requested Prince Parker to work with the credit reporting agencies to " delete '' this debt from my report. I was clear on my ask, I would like this to be deleted and not the balance updated to {$0.00}. 

They refused to honor this request and completely disregarded the CFPB rules.
Consumer complaint received 2024-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc. (NY)

I tried depositing money from Skrill into my XXXX account and I received a notice that the transaction failed, and my account would be permanently closed with XXXX explanation or reason provided. To my knowledge, nothing I did violated the companys terms and conditions, and I was well within my right to deposit my money as I saw fit. The company has refused to provide me any sort of information regarding this issue, and asserts my accounts closure is permanent. This is extremely unfair and discriminatory and I hope they can be penalized for the terrible mistreatment Ive suffered from them.
Consumer complaint received 2019-10-18
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (DE)

I CALLED LEXISNEXIS YESTERDAY AND ASKED IF MY ACCOUNT WAS FROZEN BUT IT IS NOT AND THEY HAVE REPORTED INSUFFICIENT INFORMATION. SUCH AS INCOME INSUFFICIENT TO MEET CREDIT OBLIGATION AND RISK VIEW SCORE AND TWO SOCIAL SECURITY NUMBERS, TWO DIFFERENT ADDRESSES AND DIFFERENT NAMES ON CREDIT REPORT AND ALSO BANKRUPKCY. WHEN ASKED ABOUT THEIR METHOD OF VERIFICATION WAS IN FACT FALSE.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (CA)

In accordance with the Fair Credit Reporting Act, this account 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 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. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX XXXX Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
XXXX. XXXX XXXXXXXX XXXX XXXX  : Account Number ending in XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXXXXXX XXXX if the consumer has provided XXXX  documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXXXXXX XXXX  XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX  ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX  documentation
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AL)

Received call from Mastercard that purchase of $ XXXX was attempted in XXXX XXXX FL XXXX I do not live in FL. They denied. Then received notice purchase of $ XXXX was attempted. Denied purchase and was told they would cancel card. After closing time received email from : XXXX thanking me for my order from XXXX in the amount of {$120.00}. I did not make this purchase. This Mastercard has a low credit of {$2000.00} and is only used when I need to order medicine for our dogs. Had not been used in probably for 3-4 months then all this pops up. Would appreciate help.
Consumer complaint received 2024-06-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (FL)

I never rented or leased a residence in the past ten years due to my XX/XX/XXXX and XXXX therefore it is a result of my identity being compromise while I was in XXXX and on remote assignment which I was not the the united states of america. Although I have presented these factors the creditor has not responded or removed from credit report. Which is causing me economic constraint as I am search for a home for my family and I can have stability as a XXXX veteran.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

A company called XXXX XXXX XXXX, XXXX has been contacting my father about an account they allege I owe. I plan on suing them. The lawsuit has been written but not filed yet. I will likely make it to the court to file sometime this week. Everything is documented in detail. 

I also noted that the CFPB has brought actions against this company in the past, which they have disregarded and have this has resulted in subsequent actions. This is why I am contacting you. I am not asking you to get money for me, to act as my lawyer or anything like that. I am providing this information to further your cases against them. I am passionate about consumer justice and believe that fighting back against such companies is a moral imperative. For every one like me who will go after them, there are likely countless victims of these people.