davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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 (NY)

I am writing to submit a complaint regarding the permanent limitation that was recently placed on my PayPal account, which is registered under the email address XXXX. I would like to appeal this decision and request that PayPal re-investigate my case, as I believe that this limitation was placed on my account by mistake. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always made sure to comply with PayPal 's terms and conditions and have never engaged in any fraudulent or illegal activities. Therefore, I am confident that there must have been an error in the information or evidence that led to my account being permanently limited. 

I understand that PayPal takes its policies and procedures seriously, and I respect the company 's commitment to safeguarding its platform against misuse. However, I would like to request that my case be re-evaluated, as I am certain that there has been a misunderstanding that led to the limitation of my account. 

In light of the above, I kindly request that PayPal reviews my account once again and consider restoring it to its previous status. I would be grateful for any assistance that can be provided to resolve this matter promptly. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

notice to principle notice to principle is notice to agent the transunion Credit company aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( 45 ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.
Consumer complaint received 2023-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to delete the following information in my file. The item ( XXXX ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask that the item ( XXXX ) are deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( XXXX ) as soon as possible.
Consumer complaint received 2023-07-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Asset Management Outsourcing, Inc. (WA)

Again, this is my 26th attempt to figure out what is going on and how is such obvious misconduct by these individuals who work for this corporation are continued efforts to harras and illegally collect on a default Judgement. 
XX/XX/XXXX their license fees had been paid but I question that after Washington state new laws that went into affect XXXX of XXXX, where they properly licensed to collect debts in Washington State by XX/XX/XXXX, when they filed a civil action against myself? 

XX/XX/XXXX XXXX XXXX withdrew his foreign registration to do business in Washington State.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (AR)

XXXX XXXX At XXXX XXXX, I set up a wire transfer of {$35000.00} from XXXX to XXXX to pay for a car, transfer number XXXX. The company account was correct but the car dealership give me the incorrect company name. Then the funds never arrived and to this date XXXX has still not refunded the wire transfer. All this money somehow missing and XXXX is not taking responsibility. XXXX has stated that Citibank has these funds, per the attached proof that it was sent via Citibank. XXXX XXXX, the recipient bank, has stated the funds were returned to Citibank, per the attached email. My CFPB complaint that Citibank return the funds resulted in the attached. Citibank is not taking responsibility nor helping XXXX with the trace and recall of the transfer. No one is helping me and Citibank is holding these funds.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I had a dispute filed by EXPERIAN on XX/XX/2023 to remove an address that was fraudulent / incorrect but when I look at my dispute results it was not deleted but it was changed/ updated with an apartment number added to it. XXXX XXXX XXXX XXXX XXXX is not my address nor has it ever been and I would like it deleted from my EXPERIAN credit report completely.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CUSTOMERS BANCORP, INC (TX)

On XX/XX/2023, I applied online for a line of credit. Customers Bank immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2023-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (KS)

I took out a personal loan with Ally Bank and paid it back in full on XX/XX/XXXX. That same day after I paid the loan in full they pulled my auto debit payment of {$300.00} even though the loan was paid in full. 
I called them on XX/XX/XXXXXXXX  to make them aware they pulled the payment when they shouldn't have and I asked them to simply reverse the ACH payment since we were within the 5 day window. They refused and told me to call back 10 days later to issue a refund. 

I called back on XX/XX/XXXXXXXX  they then told me they would issue me a refund on my overpayment and it would take 7-10 days to process. They promised that I would have the check no later than XX/XX/XXXX. 

I never recieved the check in the mail like they promised, so I called them on XX/XX/XXXXXXXX  and I spoke with a supervisor that told me they didn't issue the refund, but they couldn't explain why they never processed it. 

This is my money that they are holding without my permission and they will not return it to me. I don't know what else to do at this point.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX has violating my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, I went to the Chase branch in XXXX, Wisconsin to open a new bank account, because I received a coupon via email, saying chase is offering a {$900.00} reward for new accounts. It took me more than XXXX hours driving to get there. The staff there recommended their premier checking and saving products, and everything get done by about 5pm that day. Chase staff also reminded me to set up direct deposit and transfer {$15000.00} into the new account in order to get the new account reward. 
After I returned home, I transferred in total {$10000.00} into the new Chase account via XXXX in the following days, from another bank account of mine ( BoA ). There were three transfers in total because XXXX has daily and weekly limitations. The transfer detail is : {$3500.00} on XX/XX/XXXX, {$3500.00} on XX/XX/XXXX, and another {$3000.00} on XX/XX/XXXX ( the receiving time may be different ). I also set up a direct deposit to the checking account. The next salary was supposed to be paid on XX/XX/XXXX ( bi-weekly ). 
Then on XX/XX/XXXX, I found that I can not transfer money from checking account to my saving account. I thought that maybe there may be a delay in the system, so I waited until XX/XX/XXXX. I found that I still can not do anything about my accounts, so I called the Chase asking why. They told me that they have decided to close the account, and refuse to provide any explanation. Right after I made the call, I found that I can not log in to my account via Mobile app or Website. They just locked everything and told me to wait until the closure is complete. I can not even manage my credit card any more ( I also have a Chase credit card, and already set up auto payment from the Chase checking account. So if they keep locking my account, I will get defaulted next month ). My employer is supposed to pay me on Friday, and since they locked my account, I don't even know where my salary goes. I called their XXXX branch, their customer service, their anti-fraud center, etc., a lot of departments. All of them kept saying that this is a final decision and there is nothing they can do, and I will never be able to open any accounts in Chase because they put me on a blacklist. There is even a guy saying that this is their right to do anything they want. Seriously I don't understand why Chase is doing this. This is irresponsible, offensive, and disrespectful. All I did is I drove a long way to Chase and opened an account, then deposited {$10000.00} in there. Then without any alerts, they shut it down and caused me so many troubles. As a consumer, I felt unfairly treated.
Consumer complaint received 2023-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I have disputed this on numerous occasions, and I have called because this is not my account, I have asked them to provide me with proof that this is my account and they could not because it is not my account, all I am asking is that they remove this from my credit report because I did not open this account, and they have yet to do spinster they keep on harassing me about it.
Consumer complaint received 2023-11-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (UT)

A XXXX security salesman had me sign up for what I thought was a regular XXXX account but it was in fact a credit account with Citizens Pay. After my account was approved I realized what was going on and cancelled everything with the XXXX security company and nothing was installed or charged. 

I now have an open line of credit I do not want with Citizens Pay. I called and asked them to close the account and they said that it would take a couple of days. I got an email a couple days later verifying that my account was closed. I logged into the portal and can see that there is still a line of credit of {$6000.00} with a balance of {$0.00}. 

I called again and they were confusing but said my account was closed but that the credit would still be available for me to use. I said I do not want this credit available and would like to completely close the line of credit. 

They said they can't do this with no reason given and so I asked to speak to a superior and they said there was not one available. Another note is there was never a balance or a charge that could have potentially prevented this line of credit from being closed. 

At this point I have a line of credit with a bank I do not use and have to monitor it for potential fraud because they refuse to close it.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

RECENTLY I PULLED MY CREDIT REPORTS BECAUSE I WANTED TO APPLY FOR A MORTGAGE AND REALIZED THAT I HAVE A PUBLIC RECORD ON MY CREDIT REPORT. I HAD A BANKRUPTCY BUT I NEVER HAD A BANKRUPTCY IN MY LIFE. I NEED THIS REMOVED IMMEDIATELY. I HAVE A RIGHT TO PRIVACY AS A CONSUMER AND XXXX, XXXX AND EXPERIAN ARE VIOLATING MY RIGHTS. I DIDN'T GIVE THEM THE CONSENT TO FURNISH THIS INVALID AND INACCURATE INFORMATION ON MY CREDIT REPORTS. THIS IS UNFAIR AND AFFECTING ME TREMENDOUSLY WITH THE BANKING SYSTEM AND THIS IS ALSO RUINING MY REPUTATION. I DEMAND THIS GET REMOVED NOW
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

There are a few inquiries that I did not apply for from XXXX, XXXX XXXX , and XXXX. I did not apply for a personal loan nor these credit cards
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (CO)

Prior to XXXX XXXX sending me to collections, I had disputed charges from them because : XXXX they fraudulently signed a legal document electronically with my name giving permission for something I had specifically checked a box saying I did NOT give permission, XXXX they violated the Agreement by not providing the promised services. My XXXX XXXX XXXX XXXX XXXX backed me up and did charge backs on everything that XXXX XXXX charged me. 
Beyond my awful experience with XXXX XXXX, they have defrauded many people in Colorado- see XXXX, XXXX reviews, etc. This is not an isolated incident just relating to me - XXXX  XXXX  has a long standing and well documented practice of fraud. 

XXXX XX/XX/2024 : I contacted Aldous & Associates by phone. The representative was very rude and spoke over me continually. I requested a validation letter. The email they then provided me didn't contain all the required information per the CFPB website. It also didn't include information on how I can dispute the debt, which I intend to do. 

Validation information must include : The name of the creditor The amount owed That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days ( if different from the current creditor ), the debt collector will provide you that information. 
XXXX XXXX XXXXXXXX What I got : This is additional written confirmation that your file with XXXX XXXX XXXXXXXX is now placed in our office. Our office did send a physical letter to your address on file at XXXX The amount owing at this time is {$440.00}. Once this amount is paid, the debt amount assigned to our office will be resolved. Please pay by clicking the link below or call our office at XXXX. Your prompt attention to prevent further collection activity is greatly appreciated. 

Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

Sincerely, Aldous & Associates P.L.L.C. 


THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 


At this time, no attorney with this firm as personally reviewed the particular circumstances of your account.
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WI)

I was robbed for my drivers license and wallet. I file a police report ( XXXX ) Also, I filed a FTC complaint. Im accordance with the Fair Credit reporting Act XXXX account # XXXX Midland Management Group has violated my rights. 15 USC1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A Section 2. Also states that a consumer agency can not furnish an account.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted/signature received ( USPS #  XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : XXXX  XXXX, XXXX. 
# XXXX
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

I've tried all day to send money to XXXX and I keep getting " We've encountered an error. We were unable to process your request at this time. Please try again later. '' after uploading pictures of official identification ( driver 's license ). I called Moneygram and they said to try different browsers, which I did. I tried with XXXX, XXXX and XXXX. They also suggested I try the  XXXX  version of their service, which strangely was 2X the price of the Moneygram-proper site. 

As of yet, I have not been able to send money.
Consumer complaint received 2023-04-20
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. (CA)

I had a XXXX XXXX XXXX credit card through XXXX XXXX XXXX and was promised bit coin rewards every month, and XXXX XXXX went bankrupt and out of business. I lost my money in my account, and also did not receive my last 2 rewards, yet they still wanted me to pay my remaining balance of approx. {$100.00}. I contacted XXXX XXXX  several times and refused to pay the balance until they gave me my money back from my account and gave me my credit card rewards, which they refused to do. XXXX XXXX has since reported me to all the credit agencies, ruining my perfect credit score which was XXXX, to now in the low XXXX 's. I have paid every bill I ever had on time and they are now charging me interest and the balance is now upwards of {$400.00} and they keep reporting the new balance every month lowering my credit score even more. 
I disputed the charge with the agencies but they kept the determination as valid after XXXX XXXX  sent them the record of me not paying, which I am not disputing. I am disputing why do I have to give them another approx. {$100.00} when they kept my money from going bankrupt and not giving me my credit card rewards? 
XXXX XXXX  is still advertising on their website to sign up for their credit card and promising bit coin rewards. that should be fraud.
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (WA)

XX/XX/2023 I received a letter in the mail saying I owe {$150.00} from XXXX XXXX XXXX and Im not sure what that is. I dont have any record or receipt of receiving anything from XXXX XXXX XXXX XXXX number is XXXX
Consumer complaint received 2023-11-19
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: BARCLAYS BANK DELAWARE (TX)

There were about 18 unauthorized transactions that occurred during the month of XXXX and XX/XX/2023 on my Barclaycard XXXX credit card ending in XXXX through XXXX payment system. These unauthorized transactions from XXXX payment system were not purchases and no sort goods or services were received but they were cash advances with fees and interest on XXXX system. It happened that out of these 18 disputed transaction, 12 of them has been resolved and XXXX refunding the amount, to my dismay 6 of the same set of transactions were not resolved, and these are the transactions not resolved : XX/XX/XXXX When I inquired why there was such inconsistency in how the claim was handled leaving out 6 of the same status of unauthorized transactions, they kept going back and forth from their dispute team to the fraud team. I had to refile these outstanding claims but have not received any letter from the financial institution to acknowledge that they are working on the resubmitted claim or received a temporary credit for the disputed amount while the investigation is on resulting in interest charges on the disputed amount. I am looking for answers hear, and why the silence and inconsistency.