davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (IL)

I set up a Paypal transfer of funds for {$5000.00} to another individual. Paypal immediately reversed the transfer because they thought it was fraudulent. The initial transfer was on XXXX XXXX and there has been a pending refund on my account from the same day when the transfer was reversed. Despite them canceling the payment and reversing it, the money still was removed from my checking on XX/XX/XXXX. No refund has been deposited as of XXXX XXXX. I was told by Paypal to contact my bank if the deposit did n't show up on XX/XX/XXXX but my bank said they are not holding up any deposits from Paypal. When I called Paypal again I had to speak to XXXX different departments of Paypal, waiting on hold for over an hour to get them to tell me why they wo n't give me back my {$5000.00} that should never have been withdrawn in the first place if they flagged it as fraud. Their explanation is that they must first receive the money to refund it, but it has been 2 days since my bank has debited my account. Their procedures put the consumer at risk for overdrafts and late payments because they do n't give any information about 3-5 day delays in the actual transfer of funds. They advertise instant money transfers all over the place and it seems they accomplish this by fronting the money while it may takes days to clear on the back end. Why ca n't they front the money for a refund when they are the initiators of a fraud check and the consumer is able to verify the transaction within minutes of them reversing it. They should just put the transaction on hold instead of reversing it. Or they need to be more transparent about what is happening to the money in these cases so the consumer can protect themselves from overdrafts.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my XXXX account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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 XXXXXXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed the accounts in quest with TransUnion and requested that a XXXX of XXXX as to how they determined the accuracy of the said accounts. Unfortunately, TransUnion has failed to respond to my queries repeatedly and I am forced to report to the CFPB as a last means of resort since they have ignored all my request. As my letter stated I am expecting that they provide a detailed response and not a generic response to my dispute. I have also included the past letters complete with receipt of mail sent via certified mail. Additionally, I have included a screenshot of the online portal that shows in their system that a dispute sent since XXXX was still pending in XX/XX/2022.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

Chase bank cut off access of me using my cards knowing its my own credit that was granted for life, liberty and pursuit of happiness. They also never applied the presented securities to my account creating mail and security fraud. They withheld me from achieving excellence with my credit since banks dont loan money via XXXX and denied me a credit increase, which is eminent domain. The law states that anything over {$1.00} can be claimed and redeemed, which my rights were also denied.These unlawful actions are a breach of contract.I demand compensation and accounts be fixed and in good standing with unlimited access.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (CO)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (TX)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3500.00}, XXXX XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

Sent XXXX XXXX XXXX a letter asking for validation of debt with the original application from XXXX. Because I contacted XXXX and they said they don't have any accounts for me other than my XXXX XXXX and XXXX Unlimited Memberships. Been trying to resolve this issue due to my employment requiring my credit be clean. This company is jeopardizing my ability to earn a living. I have already file an complaint with the FTC and Identity Theft, gov and I have hired a firm specializing in resolving credit issues. I should not have to come out of pocket to clear up something that it would take all of 5 minutes for MCM is correct.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paypal Holdings, Inc (FL)

On XXXX I had a Seller account with EBAY, in good standing. Due to health problems, I could not continue selling my products on EBAY, with the inability to pay a balance of {$140.00}. 

On XXXX XXXX, XXXX, all my debts, including the {$140.00}, were discharged on Chapter XXXX Bankruptcy Court. 

On XXXX XXXX, XXXX, ( XXXX years later ), after having resolved health and financial issues, I decided to sell small items on EBAY again, but found the account was suspended because of an unpaid account balance of around {$140.00}. 
I proceeded to call EBAY by phone Customer Service to solve the suspension issue. According to the Accounts supervisor, XXXX XXXX, I was not authorized to be an EBAY seller any more because my account was suspended due to unpaid fees. 
I explained XXXX XXXX about the Chapter XXXX discharge, but he insisted that " The bankruptcy filed is not the cause of the suspension it is from the fees ''. 
XXXX XXXX said I could open a new account, however, he contradicted that it would be problematic, because it will be link to my suspended account. 
In other words, EBAY has no problem at all with the Bankruptcy discharge. They are for ever penalizing me for suspension of fees on my records. 
Bottom line, there is no way I will ever be able to open a seller 's account with EBAY no matter what. 
XXXX XXXX was not able to provide me with copy of EBAY Sellers policies regarding the matter in question. 
I would like the CFPB to investigate if EBAY is complying with the Consumer 's Federal Laws. 
My opinion is that there should be no problem in opening a new fresh Sellers Account, without having the burden of an eternal negative suspended record. 
The Chapter XXXX gave me the opportunity to put in order all of my finances. Now, I have an excellent record in the Credit Bureau, including a good standing with several Creditors and want to start new with EBAY. 
Following is copy of XXXX XXXX 's letter. 
Thank YouFrom XXXX XXXX, today, XXXX XXXX, XXXX. 

About our phone conversation SR # XXXX ( XXXX ), This is XXXX XXXX, eBay Customer Service Supervisor. As what we have discussed about your question in creating a new eBay account. 
You can freely create a new eBay account at the same time our system is designed that if XXXX or more accounts are related to each other then those account will be linked. Since this account ( XXXX ) is currently suspended then this account may be linked to the new account. The bankruptcy filed is not the cause of the suspension it is from the fees. The purpose of the bankruptcy filed was to offset the charge meaning we are prohibited from collecting the money from the account. And because your eBay account was suspended prior to the date you filed for bankruptcy eBay is n't required to reinstate the account. 





Hope this information clarifies everything.
Consumer complaint received 2023-07-04
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. (MA)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (CT)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I accepted American Express 's sign up offer for its Delta Gold American Express credit card. The advertisement promised a sign up bonus that would be paid once {$2000.00} was spent on the card within three months. I signed up for the card in XX/XX/2019 and met the requirement within a 30 days. I never received the promised amount of Delta Sky Miles. I have since called several times and American Express has not resolved this issue. To date I have called or messaged to resolve this issue five times.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

I have sent several letters to XXXX XXXX XXXX and XXXX XXXX XXXX about the debts listed with their companies. I have asked repeatedly for the actual applications from the company they are collecting for. I get the bills and letters stating that the debt is valid. They have severely damaged my credit to the point I had to hire a credit repair agency. And they are charging me {$1000.00} an account and it's four accounts. I can not afford to have this incorrect information on my credit report due to my employment. These accounts have damaged my reputation so much that I can not get promoted due to the negative accounts. 
JCPenney is {$570.00} XXXX XXXX is {$350.00} both with XXXX XXXX XXXX. Letter sent XX/XX/2018. XXXX XXXX XXXX has these accounts XXXX {$330.00} and Sychrony {$1000.00}, Letter sent on XX/XX/2018.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I deposited a XXXX check for my minor child that was given to her as a birthday gift from my uncle. My daughter turned XXXX this year and is not capable of managing XXXX. I have deposited checks to my account for my minor children over the years and it has never been an issue. On Saturday, I lost access to my account. I called on Sunday morning and Citibank stated there was fraudulent activity and I had to call back on Monday when the fraud department was open. I did that. I spoke to XXXX. I verified with him that the check was for my minor child. He said not a problem the hold on my account would be lifted by today ( XX/XX/XXXX ). The hold was not lifted, so I called back. They stated my account was approved for closure! And that they do not accept third party checks. No one would help me. They treated me like a criminal. I explained that I have deposited checks for my daughter several times over the years to which they state I did not. I pulled up My emails with the dates of the deposits and informed them. The lady said okay so we still have to verify from the person who wrote the check. This is absolutely horrible and they treated me so poorly. I am humiliated.
Consumer complaint received 2023-06-22
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX Reported : XXXX XXXX XXXX  {$1100.00} Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX