davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
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 (FL)

on XX/XX/XXXX I was sent XXXX from my brother, through Paypal. 
Paypal withheld the money for 5 days then I received an email from Paypal stating that the money was ready to be to be claimed. I then logged on to my account and when I attempted to to transfer the money I received a message stating that my transaction couldn't be completed at this time come back later. I kept trying and then called paypal to find out what was happening, I was then locked out of my account and had to wait on hold for over an hour, each time being transferred to another department, never receiving an answer that explained why there was an extra hold on my funds. Banks don't place holds on money as long as paypal has. Finally I was told that there was a internal computer security problem that would be delaying the availability of my funds indefinitely. Paypal 's internal computer security problems shouldn't affect the funds that belong to me Failed to honor funding times, Neglected to post payments when website fails, Mishandled customer disputes about payments. Paypal has a history of poor and deceptive business practices, and even after class action lawsuits have caused punitive damages, they continue these same practices. After I threatened to file a report they changed the error message on the transfer
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I was shocked when reviewing my credit report I found a late payment reporting in the month of XX/XX/2018. 
I am not sure how this happened since i make my payments as soon as I get my statements. My only thought is I never got this statement.
Consumer complaint received 2018-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I'm really disappointed in XXXX XXXX, they don't want to follow protocol the FCRA puts forth. They just verify everything and don't do an actual review of the concern at hand. I have sent in several requests for the bureaus to do a review of a late which is reporting in XX/XX/2016 each time XXXX XXXX responds with needing more information. I provided all my personal information which i'm sure the bureau sends over since I get a response from XXXX XXXX so they know which account i'm referring to. Instead of doing an actual investigation they just spit out a letter either requesting information or saying they responded already. This isn't the case never once did they do an actual review since they always claim to need more information. 
In the letter which is from XXXX it says they responded in XXXX I never got a response.
Consumer complaint received 2018-08-28
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: DISCOVER BANK (CA)

In XX/XX/2018 I received a XXXX XXXX  procedure, XXXX   from XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. They stated the product would last a minimum of 6 months to one year. I paid them XXXX dollars for the procedure and it left me with XXXX on my XXXX and the product dissolved within 2 weeks. I have a copy of an email I sent them on XX/XX/XXXX stating that I wasn't happy with the procedure. They invited me back into the office and stated that they did everything according to the protocol but couldn't refund me. I explained that Had I have known the product would only last 2 weeks and at a cost of XXXX dollars I wouldn't have had XXXX  in my XXXX. This is false and misleading advertisement. 
So I issued a complaint with my credit card company and my credit card company Discover card XXXX XXXX XXXX XXXX XXXX XXXX, stated I did not have enough proof! 
I sent them copies of correspondence between myself and XXXX company and the fact they stated on their website the product would last 6 months to 1 year. 
Discover card despite me having an absolute impeccable payment history with them, do not want to resolve this for me, as they state I need more proof before they can refund me. I suggested I show them how my procedure looked before, then immediately after, then 2 weeks after the final result and Discover card, said that wouldn't be enough proof! so I am supposed to endure false and misleading advertisement from a company offering procedures they say last longer than they really do and fall victim of small print from Discover credit  card. 
regards XXXX XXXX
Consumer complaint received 2024-04-13
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. (GA)

On XX/XX/XXXX, I sent an email to XXXX  asking " Do they report bankruptcies to any credit bureaus, or third parties. '' And I received a letter back from them saying, They do not report to any bankruptcies to any credit bureaus or third parties. So if thats the case. How did the credit bureaus verify that my bankruptcy is 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or which others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

According to 15 U.S.C. 1681 Action 602 A. States I have a right to privacy.

According to 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 5 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-02-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (TX)

I have contacted customer service several times to resolve a problem transferring money from my bank checking account to the Bluebird card for months. The last time I was successfully able to add funds to my card using my bank card was in XX/XX/XXXX. I have called several times regarding this, most recently on XX/XX/XXXX @ XXXX. The extremely frustrating call lasted 18 mins & 31 secs. The CSR continually insisted the problem is with my bank, not them but my bank says it is not. Googling ISSUES WITH AMEX BLUEBIRD CARD returns a number of other people having the same issue and I'm pretty sure we don't all bank at the same place! What I suspect is that AMEX is purposely causing this problem to force customers to get their new fee-based card SERVE card as the BLUEBIRD card does not charge any fees. I have had this card for many years and never had this kind of issue with it. I did all of the things the CSR suggested including deleting the info for my bank debit card, which is what I use to transfer money to the BLUEBIRD, and re-entering but now XXXX won't let me add the card back on to the account. That doesn't sound like a 'problem with my bank '.
Consumer complaint received 2024-02-06
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: Chime Financial Inc (VA)

There has been over 40 transactions from XXXXXXXX XXXX and a website called XXXX. The later company seems to be from XXXX. Im a U.S. resident so thats why Im surprised to see transactions from all the way across the globe I had attached hospital records and documents. I have been hospitalized since XXXX and had no access to internet or my phone. An unauthorized user had made over 40 transactions Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1400.00} Online Bank : ChimeXXXXXXXX XXXX
Consumer complaint received 2023-10-24
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. (IN)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 7 ) seven hard inquiries and inaccurate personal information showing on the credit file with Transunion. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

fraud was initiated on my account in which i asked for IP addresses and XXXX addresses and no one was able togive me info or reinstate the accounts to be opened for good faith use while still benefiting from all titles rights and interest in my accounts insured by the fdic
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

My discover credit card was closed on XX/XX/XXXX. XX/XX/XXXX and XXXX I called discover and asked why- they stated I did not give them information in a timely manner. I called on XX/XX/XXXX to ask why my card was declined at a restaurant on XX/XX/XXXX, Customer service rep advised the denial was not on there end and can proceed to use the card. XX/XX/XXXX I asked again why my card keeps getting declined, all payments made timely since opened XX/XX/XXXX. I was told again Sorry for the trouble. There isn ; t a decline on our end so it could be a few things, a connection error, merchant equipment or the purchase was never submitted. I suggest tying the purchase again with the merchant or reaching out to the merchant about the possible issues above. I made contact with them twice in XXXX to find out why my purchases were not going thru and both times no one ever mentioned I needed to verify/ validate any information or I would have. I was told NO ISSUES what so ever I was told by customer service that XXXX and Discover sent an email requesting information on XX/XX/XXXX ( did not see any email from either ) Discover does send an email a day sometimes XXXX about promotions and such. stating I had until XX/XX/XXXX to respond. XXXX asked to be sent or if this was mailed to my home physical address like the rest of the letters from Discover. They said they could not and only send me the letter of my account being closed on XX/XX/XXXX They also stated it may have gone to my " spam '' folder since came from XXXX Had I known information was requested I would of gladly provided it as I have been working to build my credit and this closed accounts are not good. I never missed a payment since opened and called to ask why my card was being declined early XX/XX/XXXX and XXXX I did read that 45 days should be given when accounts are closed but I called prior / during the 45 days they said they sent an email and told no issues so there was nothing I could do to avoid this when you call a company and they do not say there is an issue you believe there is not issue and both times NO ONE EVER ASKED for information now my credit score is dropping drastically and I am trying to build my credit not make it worse and I am sure they are entitled to do whatever they chose but if the information was that important or a factor as a reason they can just close your account I would of expected both times to be told when contacting the company or a letter in the mail
Consumer complaint received 2018-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really disappointed in XXXX XXXX, they don't want to follow protocol the FCRA puts forth. They just verify everything and don't do an actual review of the concern at hand. I have sent in several requests for the bureaus to do a review of a late which is reporting in XX/XX/2016 each time XXXX XXXX responds with needing more information. I provided all my personal information which i'm sure the bureau sends over since I get a response from XXXX XXXX so they know which account i'm referring to. Instead of doing an actual investigation they just spit out a letter either requesting information or saying they responded already. This isn't the case never once did they do an actual review since they always claim to need more information. 
In the letter which is from XXXX it says they responded in XXXX I never got a response.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I fell victim to the Bank of America Scheme. I filed a report with fed agency that oversees banking. I deposited a check into BOA and they released the funds then placed a hold on it and I overdraft the account. The check showed cleared so I began to pay bills then the next day I look and the check has an additional 30 day hold on it and overdrafted my account forcing me to pay. The check was a certified check from my lawyer from a settlement I had won. I called the bank of the issuing bank and it had cleared the account but yet Bank of America withheld my funds for 30 days. They even charged me overdrafts.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota violated the SCRA by repossessing vehicle that I entered into contract for prior to XXXX XXXX obligations. Under SCRA, court order is required prior to repossession- this didnt occur. Vehicle was impounded and Toyota utilized this opportunity to effectively repossess.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (IL)

Loan with Mariner Finance was paid in full and closed on XX/XX/24. Credit reporting across all three major credit bureaus still shows the loan as open, active, and with a significant balance. I am in the process of applying for a mortgage and this is problematic because it impacts my debt-to-income ratio, which affects the terms of my loan.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (AZ)

Xactus Credit Report has the follwing information XXXX XXXX  : {$1100.00} XXXX {$560.00} XXXX XXXX  {$30.00} XXXX XXXX XXXX have not had payments in over 3 years due to debt consolidation with XXXX XXXX XXXX. XXXX attached showing I then sued XXXX XXXX XXXX for illegal collection of money from me from an attorney so these debtors can no longer come after me as XXXX XXXX did not collect debts appropriately. 

XXXX XXXX {$30.00} fee was from fraud issue and has been removed from my account. Xactus already put this on my account without even waiting another 2 weeks to look and see they have already removed the charges and are removing more charges due to fraud on the account. 

Xactus should be aware of what they put on an account before being irresponsible when it is a {$30.00} charge for non refundable bank fees, which should be an alert that is is most likely fraud. 

I have 5 pending fraud / identity theft cases pending at this time. XXXX XXXX Class Action which I started the entire case, XXXX, stolen signature which I have a handwriting analysis I can attach, XXXX XXXX Cases Class Action still pending and XXXX data breach.
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

Ive called the company on many occasions since XX/XX/2023, to request original documentation, amount claimed to be owed, and settlement information! Last call was today XXXX. Each time I call, Im given an email to request this information XXXX, but this person never responds back! Ive spoken to this person once, when I was transferred to him two weeks ago, and he was very rude, wouldnt let me speak, and told he wasnt sending me anything, and that he didnt have to discuss anything with me, then he hung up! Now, theres an excuse everytime I call, such as hes in a meeting or Im transferred to his voicemail, with no return call! How do I verify the debt amount is correct, or pay if these are actions of this agency!
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

I enrolled in the path to Apple Card program and followed every step of the way until I received invitation to open the account and was approved. 
Did 4 small transactions in total to start paying by my first due date. 
During this process I changed my phone number and when calling to have it updated in the system my account was restricted, they then contacted me after 10 days to verify my information and asked some questions that verified my account. Then updated my number in the system and told me I was good to go and I could continue using my account, one day later they cancelled my account and when contacting the bank they told me they didnt know why it got cancelled. I didnt even get a chance to do my first payment and them cancelling my account will most surely affect my credit record which now is excellent.
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-02-06
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: CNG FINANCIAL CORPORATION (MS)

I started receiving emails today with threats on a loan that I had no idea about nor have I received any emails on it until today it has escalated to the point of me having a XXXX XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

they send a collection letter back in XX/XX/XXXX asking for money for rental property claiming that i break the lease, i sent them my lease and profe that it was expired in XX/XX/XXXX and i moved out in XXXX. 

on XX/XX/XXXX they send me another letter ( after a year ) asking for the money again, and telling me that the collection was submitted to the credit reporting agencies.

called again and they claim that the renter didn't get a proper notice that i was leaving though in my first letter i provid them with profe that i gave them 90day notice ( lease require 60day notice ). collecting agency was very rude and refuse to listen
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I sent capital one payment using remittance coupon that they gave me for payment. They took it and never returned it and refused to accept it as payment. Capital one refused to discharge the debt. Today I've discovered that my account has been unlawfully closed by capital one with no explanation. I mailed them the security via USPS registered mail on XXXX XXXX in which it was received by capital one on XXXX XXXX. I also sent a letter on XX/XX/ requesting the pre-set amount my original application was run for. Capital has never responded to my request.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MA)

I checked my personal credit report, and I noticed that unauthorized inquiries have been made. I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation