davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
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 (MI)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is registered under the email address XXXX. I believe this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for a significant period, and I have always adhered to PayPal 's terms and conditions. It is crucial to me to maintain a positive and trustworthy relationship with PayPal, and I am committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal re-investigates my case thoroughly and reviews the circumstances surrounding the permanent limitation of my account. I believe that a mistake has occurred, and I am eager to provide any necessary documentation or information to support my appeal. Restoring my PayPal account would not only alleviate my financial inconvenience but also allow me to continue using PayPal for safe and secure transactions, as I have done in the past. 

I appreciate your attention to this matter and kindly request that you initiate the review process as soon as possible. Please let me know if there are any specific steps or information required from my end to facilitate this process. 

Thank you for your time and consideration. I look forward to a swift resolution of this issue and the opportunity to continue using PayPal 's services.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX XXXX at around XXXX XXXX  I went to the Wells Fargo ATM. This was the particular Wells Fargo address : XXXX XXXX XXXX XXXX XXXX, FL, XXXX. I am a bartender and deposit my cash tips regularly. When I deposited my cash at the ATM, the bank froze and all I saw on the screen was that it stopped counting at {$470.00}. After a few minutes, the ATM popped up with an error message and the only option was a continue button. The ATM didn't deposit the cash into my account or spit my money back out. I called the bank while I was in front of the ATM drive thru, because I was nervous to leave my spot without my money and cars behind me. The workers on the phone advised me to come inside. I talked to the branch XXXX of this bank and she told me she could not open the ATM since the ATM is accessed through a third party. She told me she would make a claim for me. This is her address : XXXX. She told me it would take XXXX business days to be resolved. On XX/XX/ at around XXXX XXXX Wells Fargo messaged me claiming that an error did not occur. I immediately called Wells Fargo claim assistance saying this has to be a mistake. Not only did my money have to be in there, but I am also on camera. The lady I talked to on the phone asked why I didn't file a police report, and I responded I didn't know I had to. All Wells Fargo did after this was open the claim back up for further investigation, and filed a complaint against this branch. While I was crying on the phone, I was also told I might not ever get my money back. The second claim is still open, and I haven't heard anything about my money yet. I feel like this is unacceptable, and I deserve to have my tips I earned back.
Consumer complaint received 2023-11-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WEBSTER BANK, NATIONAL ASSOCIATION (RI)

On XX/XX/ Webster Bank gave me a HELOC of {$47000.00}. I started using the for updates on my house. When I did the purchases I used my XXXX credit card to get points. So when I did that of course my credit is going to fluctuate, well they didn't tell me they will freeze my account if that would happen. So after I used it I got stuck with a frozen {$29000.00} account and a credit card with a big balance. Also my credit score went really low because of both. When I talked to them about it, no one could help me. They just said I need to pay it.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc. (FL)

I am writing to dispute the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (LA)

XX/XX/2024 I called and spoke with a representative to let them know I would be withdrawing funds from my account in the amount of XXXX from an ATM in XXXX where I am traveling over a period of a couple of weeks because the limit I had on my account is XXXXXXXX XXXX  per day for withdrawal at an ATM. The representative told me that when I got ready to withdraw all I needed to do was call the bank and and ask to up my daily limit so that I could withdraw the funds at one time. 

Over the course of a couple of weeks I withdrew around XXXX using my daily limit of XXXX USD. 

XX/XX/2024 I called the bank spoke with representative XXXX to request a one time daily limit increase to {XXXX} USD. The representative told me he would have to put the request through to the visa department and have it approved before I could withdraw the funds. He asked what the reason was for withdrawing the funds, and I let him know that I was having a medical procedure here and XXXX, and would need to pay cash as cards are not widely accepted. The representative called me back and left a message letting me know my request for a one time increase in my ATM withdrawal limit had been denied by their visa risk department. 

I called back and spoke with representative XXXX and asked to know why my request had been denied, and why I was being denied access to my funds for an ATM withdrawal. The representative explained that the visa risk department does not share the reasons for the denial only that the risk was high, and the request was denied. this effectively denied me access to my funds while Im in a foreign country where there is no physical bank location. I was told I could travel to and from the ATM and get my max withdrawal for three consecutive days instead. I found this answer unacceptable and was transferred to a team lead named XXXX, who also told me that there was no way for them to tell me why I was being denied access to my funds. she again told me that I would could travel back-and-forth to that ATM and withdraw the max amount over three consecutive days and should have no issues.

I again asked why I was being denied a one time increase in my daily withdrawal limit which ultimately was denying me access to the funds within my account. She again told me she could not give me a reason why the department determined the request to be high risk. I asked if this would be a regular occurrence so that I could better prepare in case there was an emergency where I would need to have access to more than my daily limit. She was unable to answer that question for me other than to say, in the case of emergencies, those emergencies are taken into consideration.
Consumer complaint received 2024-01-03
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (IL)

15 U.S. Code 1681b-Permissible purposes of consumer reports. I never gave XXXX XXXX, XXXX, or XXXX any written consent to add this on my credit report. 
Jefferson Capital System # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$940.00} Jefferson Capital System # XXXX {$10000.00}
Consumer complaint received 2024-01-09
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. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

This company is harassing. They call at all hours. I have roof they have called at XXXX, XXXX, XXXX. I have tried for years to explain this is not my debt. They keep trying to collected on a XXXX credit that I never had. Years and years ago XXXX i had a XXXX card when I worked there. That card was paid off and closed out before XXXX. I have never ever had a card since then. This was open by someone else and not me. And for years they have reported this to my credit ruining my credit and harassing me which calls in the middle of the night and morning, leaving threatening messages which is illegal because by federal law they cant call after XXXX. XXXX
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened an advance checking account with HSBC online on XX/XX/062018 for the welcome award they declared to all the advance checking accounts opened by XX/XX/2018. The requirements were to keep a balance of {$10000.00} for 90 days from within 30 days from the opening day. My account balance on the account as of XX/XX/2018 was {$10000.00}. HSBC was supposed to deposit {$350.00} into my account after 90 days from XX/XX/2018 and another eight weeks. I called HSBC customer service in XXXX just to make sure that the account has met the online requirements in opening such an advance checking account and the customer service representative assured me that every thing looked good and I can expect the award money into my account after the specifined days ie. 90 days plus eight weeks. When I didn't see the {$350.00} not deposited into my account even on XX/XX/2018, I called HSBC. The representative told me that It was not opened properly and I told her that I called in XXXX third week and got assured that it was done correctly. However she said that she will escalate the complaint and somebody from HSBC will call me. Nobody called and make several calls after that. Repeatedly I asked them why don't they email me about the process. Nothing. I withdraw {$10000.00} from the account because it doesn't earn any interest sitting there. When I called on XX/XX/2018 to request to close the account, the representative told me to keep the account as the complaint is escalated and they are looking into it. I asked her as I had met all the eligibilities and they know my address once it is approved why can't they mail me the check. She said that they don't do that! 
So I kept the account with a balance of {$100.00} from XX/XX/XXXX. Last week somebody called me to tell me that the account has to be in good standing to avoid the monthly charges. I am at a loss to understand why they are taking this much time to deposit the {$350.00}. Today, XX/XX/2018, again I called them and found that already a fee of {$25.00} had been charged to my account as monthly fee because it didn't meet all the requirements for an advance checking account. She told me that four weeks from XX/XX/2018 {$350.00} will be deposited into my account. Because of all the things happened, I have to wait and see whether that will happen or they come up with some other excuse.
Consumer complaint received 2018-11-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (OH)

I bought my home in XXXX of 2017. The loan officer gave me 3 closing dates. The third was to be XX/XX/2017. On or about XX/XX/2017 I called to see when paperwork needed to be filled out. He told me he never filed any paperwork assuming I was going to use another loan officer. His company then had a supervisor close the loan in XXXX. My loan was 203k. Around {$75000.00} in renovations were needed. {$25000.00} to be used to fix foundation and waterproof. At that point the ground was frozen and I had to wait until fall. Meanwhile the general contractor worked inside. When it came time for a withdrawal the consultant I hired via the loan company did nothing. It took almost 2 months to get money. Next the contractor took a  job building XXXX XXXX and quit working on my home. Although I did not find out for weeks. He just stopped coming over. Now I'm trying trying to hire a new contractor to finish my home. The 203k consultant has not answered any of my calls or texts. The mortgage company sold my loan within months. The new mortgage company doesn't seem to know what's going on. I've called a few times a week for months now. I have a wife and XXXX children. We lived in a hotel for 8 months. I also paid for a storage unit and eating out 3 times a day. I finally moved in and have been slowly doing what I can out of my own pocket so my family has somewhere to live. I've spent every penny I own this past year. I can't get a response from my consultant and the new loan company is threatening me and calling me every day. I'm less than a month behind on my mortgage. I am living in a living room in a half done home and no one can tell me what to do.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (WA)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
CXXXX 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
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I don't recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (GA)

I called Mandarich Law Group LLP on XX/XX/XXXX XXXX XXXX  at XXXX and spoke with XXXX XXXX I attempted to clarify who exactly was suing me after informing him I had received an unclear, threatening letter. He proceeded to ask me my name and the file no to locate the account. Once I successfully provided that, he then proceeded to tell me he would need me to provide my address AND last four of my social security number as an identifier. At this point, let him know that I was uncomfortable providing my social or even my address, for that matter. I also let him know a social security number is NOT to be used as an identifier but id be willing to provide another form of idenitification. He then doubled down and let me know he would only be accepting my social security number. I have no idea who this company is, I have reached out in several ways for them to clarify WHO they are, WHY they have the last four of my social or ANY of my information for that matter. What exactly are you suing me for? The top of the letter they are acting as attorney yet no one is actually on this paper, it's not clear who I speak to, there's no human person to reposed to. This is a baseless claim and now it is fraud as far as im concerned. You illegally have my information, you are bullying and intimidating me to pay an alleged debt. this is outrageous and this must be stopped now
Consumer complaint received 2023-11-18
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (MN)

I did Not order a new card from AMERICAN EXPRESS BLUEBIRD. I WAS NOTIFIED VIA EMAIL THAT A CARD WAS ORDERED AND ON IT'S WAY TO XXXX XXXX XXXX XXXX, XXXX XXXX, MN. XXXX. THE EMAIL SAYS THE CARD ENDS IN XXXX and was processed at XXXX XXXX today. Please keep my card ending in XXXX activated and the only card that gets direct deposit. Please Report this to The above mentioned entity. My phone service has not been working. Thank you.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

For the credit account XXXX  XXXX XXXX, there are inaccuracies for this account across all the XXXX credit report which is in violation FCRA XXXX XXXX ( b ). I am asking that this account be removed from my XXXX and Experian accounts for this violation.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (IL)

XX/XX/23 I called Huntington Bank & talked to customer rep, XXXX, @ Huntington Bank about the reversal of fees for photo imaging of my checks because I didn't require that service due to my personal checks are duplicate. She said that she had limited access to my account but she could reverse only {$25.00} @ a time especially over the phone. I would have to take the lastest bank statement to a local branch of Huntington Bank to receive a FULL recoup of the fees that were for photo imaging. It seemed to start out as {$2.00} then {$3.00} for this unrequested service. 
XX/XX/XXXX  I went online to XXXX the closest Huntington Bank branch in my area which was in XXXX XXXX. I went there & spoke to customer rep face to face, XXXX. At some point, he told me that he had limited access, as well, so he got his bank manager. She also seemed to have limited access & stated that she could only refund me " {$11.00} for a year ''. Now, I know that there are 12 months in a year, so 12 times 2= 24 & 12 times 3=36. Nowhere in these calculations, {$24.00} or {$36.00}, come close to {$11.00}. They didn't dispute my request to ending the fees for the service but trying to get back my monies seems to be 'problematic '. Everyone I interacted with over the phone or in person seemed to have 'limited access ' inspite of me giving them permission & authorization. 
XX/XX/XXXX  I attempted to try again to call Huntington Bank to do two things : to stop the photo imaging fees that everyone prior promised me would stop & recoup the remaining amount owed me. See, when each time I spoke to someone they would promise me these photo imaging fees would stop & it initially they do BUT they just come back & charge me ALL OVER AGAIN. So, it never really stops, you see. Are this what people are calling 'junk fees? '
Consumer complaint received 2024-01-04
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (TX)

I own a credit line with XXXX XXXX, and Comenity Capital Bank is the bank institution serving that account. I purchased an item back on XX/XX/XXXX which I ended up cancelling and my money should have been reversed back to my account, but the bank is pretting to hold my money for about 60 days. This is limiting my ability to spend on that account. I reached out to the bank and ask for my account agreement and they did not issue it stating that they do not have an agreement to issue. 

The attached picture is showing how much the bank has to reverse in my account.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I have complained about this to you once already. You forwarded my complaint on to Chase and they gave you a bogus response. I sent a response to you stating that they ( Chase ) had not addressed my issues. Instead of keeping my case open and asking Chase further questions, you just blatantly closed the account!! What good is the CFPB if you are just going to shut down complaints after I've told you they ( Chase ) have not addressed my issues?! Your need to go after companies like Chase that are doing this huge disservice to customers ; instead you just close reports after they ( Chase ) give you a bogus answer. I initially complained to the Comptroller of the Currency, but they told me you were the ENFORCEMENT agency for this type of issue. I don't see you ENFORCING anything. You're just rubber stamping what the bogus companies tell you and closing the complaints! Are you working for the Us citizens who've been taken advantage or are you working for the major corporations like Chase? Seems like the latter! It's obvious you believe them and not me. I guess I now have to complain to my Congressman because YOU aren't doing your job. XXXX XXXX would NEVER have allowed this to happen if she was still running your agency. I feel like your organization is worthless because you aren't doing anything to address my issue except believing the companies and ignoring me. Thanks for nothing! 

XXXX XXXX
Consumer complaint received 2018-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Hello, I received a piece of mail from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. It stated that I have a debt of {$110.00} owed to " XXXX XXXX '' It says " Collection Notice : Your account was previously listed with another collection firm and re-assigned to this office for recovery. Please remit payment to this office by mail or visit our self-service XXXX. '' I am concerned. They have my full name and my address. I have never been signed up for XXXX XXXX. I do not have any debt to XXXX XXXX. I have never been associated with a XXXX XXXX account. I'm 100 % certain I would not have a bill or any debt outstanding to that company. This is a scam and they have offered little to no way to dispute this claim. Again, I am concerned and would like to resolve this as soon as possible. I'm not sure how to prove that I have never been associated with XXXX XXXX.