davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I made a wire transfer through my bank at XXXX XXXX, to a recipient bank JP Morgan Chase in the amount of {$17000.00} on XX/XX/2022 the XXXX was fully transferred to chase account to XXXX XXXX XXXX XXXX XXXX. Chase bank refused to give the company the money and they never returned my money too. I have been to XXXX XXXX  so many times to retrieve my money but they claimed the money has already been sent to chase bank and ther is nothing they can do. Moreover, the recipient company has also tried so many times at his chase bank branch they still did not release the Money to him. I will be happy if you will help me retrieve this money from Chase Bank.
Consumer complaint received 2023-10-16
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 (CA)

Dear PayPal Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX Firstly, I believe that this limitation was placed on my account due to a misunderstanding or mistake. I have always strived to comply with PayPal 's policies and guidelines to the best of my knowledge. I am not aware of any actions or transactions that would warrant such a restriction. 

I kindly request that PayPal thoroughly re-investigates my case. I believe that a review of my account activity will demonstrate my commitment to following PayPal 's terms and conditions. 

My PayPal account is crucial for my financial transactions and online activities. Its suspension has caused significant inconvenience and disruption to my personal and professional life. Therefore, I respectfully ask that PayPal considers restoring my account access, pending the outcome of the re-investigation. 

I appreciate your prompt attention to this matter and request that you contact me at your earliest convenience to provide updates on the status of my appeal. I am eager to resolve this issue and continue to use PayPal 's services responsibly. 

Thank you for your understanding and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX someone hacked my XXXX account and used my stored PayPal information to make XXXX purchases, XXXX for {$56.00} and XXXX for {$370.00}. I received email notifications from PayPal regarding these payments and immediately called them to notify them they were fraudulent. The first customer service agent I spoke to on XX/XX/XXXX assured me they were not valid transactions and I would not be charged. 

On XX/XX/XXXX, I noticed the {$56.00} charge was listed on my account as completed, so I filed an online dispute. Later in the day, I was notified that my dispute was denied. I called PayPal customer service again. The representative I spoke to that day also confirmed that the transaction was not valid and I would not be charged. 

The charge for {$370.00} was cancelled and no longer appears on my PayPal account. The charge for {$56.00} however, was processed and has since been billed to my XXXX savings account. These fraudulent transactions were made from the same IP address and the same shipping address was entered for both- so it is absurd that XXXX was deemed to have been fraudulent and invalid while the other is being treated as a valid transaction. There is no way of contacting XXXX to request a refund or cancellation. If someone hacked the XXXX account, they should not have been able to make a purchase using my PayPal without entering a password.
Consumer complaint received 2023-07-01
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. (TX)

I am disputing the following inquiries. These are not mine or belong to me. I have also filed a police report. Apparently someone is using my social to try and open accounts and credit in my name. I have also had someone steal my bank card and attempted to withdraw money from my account. 

These do not belong to me. The police report has been filed with XXXX XXXX police department. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (FL)

On XXXX - XXXX 2017 at approximately XXXX XXXX I applied for a PNC visa credit card on line at XXXX. the web site does not show the fees until after I hit enter. When is saw that balance transfers included a 3 % fee I had no way to cancel the application. I immediately called the XXXX service number and explained that I did not want the card and that 's wanted the application canceled. They could not find the application of there system and told me to call XXXX and customer service would help me. iCustomer spoke to service representative XXXX XXXX and was told that the application could not be cancelled at this time. She said I had to wait for it to be processed and that I needed to call back to XXXX in a few days and cancel the card at that time. I agreed to do that but stated that I did not want the card to be reported to the credit bureaus. She said that I would have to go to each credit bureau and separately report that the card was closed to each. I do not want this card reported as I never intended to accept it as soon as I saw the transferr fees. It should be hard to stop the information from going to the credit bureaus or for the card company to correct their credit reporting. However it seems thwt the company is going to report it even though I contacted them in less the 15 after my submission and said I did not want and would not accept the card. Thank you for any help.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (MA)

Discover Credit Card has charged me over {$300.00} in late fees, ever since my income suffered during covid. They then closed my account, bc of late payment, yet still expect payments on the account, monthly, at arate of close to XXXX XXXX. The balance is now about {$300.00}, So, to avoid collection or judgements, Discover wants me to make installmet payments on a balance that consists entirely of THEIR FEES, at a very high intertest rate as well. 

I tried to settle account w Discover, but they would not even come down, never mind simply waive the back fees and zero out the balance, on my account that THEY CLOSED.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have been trying to get my report fixed for months with all 3 agencies XXXX, XXXX, Equifax. I have several credit cards missing from my reports. I have written letters and called, and I keep getting the run around to contact the credit card company. I know the are reporting because its shows on other reports. 

Transunion- is missing XXXX XXXX. XXXX  XXXX and XXXX XXXX. The XXXX XXXX was showing but they recently removed it and my score dropped XXXX points. 

XXXX is missing my student loans, XXXX XXXX, XXXX XXXX. 

XXXX is mussing XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX, and XXXX  XXXX. They recently removed XXXX XXXX and it dropped my score XXXX points. All of these accounts are open with XXXX balances. I only have a balance with XXXX  XXXX.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX 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 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.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to get my report fixed for months with all 3 agencies Transunion, XXXX, XXXX. I have several credit cards missing from my reports. I have written letters and called, and I keep getting the run around to contact the credit card company. I know the are reporting because its shows on other reports. 

Transunion- is missing XXXX XXXX. XXXX  XXXX and XXXX XXXX. The XXXX XXXX was showing but they recently removed it and my score dropped XXXX points. 

XXXX is missing my student loans, XXXX XXXX, XXXX XXXX. 

XXXX is mussing XXXX XXXX, XXXX XXXX place and XXXX XXXX, and XXXX  XXXX. They recently removed XXXX XXXX and it dropped my score XXXX points. All of these accounts are open with XXXX balances. I only have a balance with XXXX  XXXX.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (CA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT, FRAUDULENT, AND OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER, THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT IT COMES BACK VALIDATED EVEN THOUGH THE INFORMATION IS INCORRECT AND FRAUDULENT.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (TX)

in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose. 
adequate time was give from XX/XX/XXXX to XX/XX/XXXX when i sent letters ask for details of their investigation. i still have not received any such documents
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (PA)

I redeemed a statement credit for {$460.00} on XX/XX/XXXX. It states that its redeemed & points were deducted but never was credited to my credit card. Called over 10 times & it seems like they have no idea how to resolve the issue. Gm said they had a glitch & the same thing happened to everyone after a certain date. They never corrected it.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MN)

Hello - I previously attempted to pay off my student loans in full on XXXX. Aidvantage failed to process the payment XXXX separate times, eventually requiring me to transfer my funds to another bank in order to finally complete the transaction on XX/XX/10. During the XXXX timeframe, additional interest accrued on my account which was due to technical issues cause by Aidvantage. 

My payment on XX/XX/10 was for the amount I attempted to pay on XXXX ( {$61000.00} ), the remaining balance in my account is the aforementioned accrued interest due to Aidvantage 's technical issue. I would like that amount due erased from my account and my loans being designated as officially paid in full. 

Please contact me at the following there are any additional questions : XXXX ( XXXX ) XXXX Thank you in advance for the help, XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I contacted Capital One Auto Finance on XX/XX/2022. I informed them that my credit report shows an auto loan that was previously closed due to being included in a bankruptcy. This account was closed in XXXX due to bankruptcy I received the alert from XXXX XXXX on XX/XX/2022 that the account was reopened and I have past due balance. I spoke to numerous account reps who could not help me, nor provide any information about what happened.
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MI)

FDCPA Violation Threats to take legal action, After I disputed with XXXX file number XXXX on XX/XX/2023 XXXX consumer relations..on XX/XX/2023 I got a threat to be sued in the mail.
Consumer complaint received 2018-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT FRANKLIN COLLECTION SERV To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-09-29
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: Specialized Loan Servicing Holdings LLC (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I made multiple payments in XXXX for my XXXX card for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. XXXX claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.
Consumer complaint received 2018-05-10
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: Carter-Young, Inc. (GA)

Carter-Young Inc is incorrectly reporting a bill for {$210.00} for XXXX XXXX. I told them the bill was not mine. I am a current patient at XXXX XXXX and called them. They sent proof I do not owe them anything, my account is in good standing and that they in fact owed a credit to ME!! They said the account numbers didn't match. XXXX XXXX stated they do not have ANY acct number that matches the beginning numbers of # XXXX that the collection agency is reporting. XXXX XXXX sent yet ANOTHER letter stating that they searched ALL databases and I do not owe a bill. Carter-Young will not remove this bill even after they have received proof from XXXX XXXX stating I do not owe it. I sent copies of the envelop the letter came in, the letter, the ledger and the info regarding the refund they owe me and I am still fighting with this collection agency. It it unfair. I do not owe this money and they refuse to accept that.