davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I presented this credit card with capital one as soon as I found out that my credit card was being used by my health care workers who only had the personal permission to pay my cards and not used them. I lost my XXXX  and had to go under an XXXX  not knowing that I had 2 move XXXX  to go. it was not easy being XXXX after having my XXXX  all my life. Most companies had a hard time understanding because my bills were being paid. What I was told by the law the State Police all I had to do was to report the incident to the police and. and to submit the report to my credit card company. 

This card was disputed by XXXX XXXX  and taking off my report. I was told, when your company spoke to me I was confused and not being able the review the reports I went and starting paying the credit card on my own. I thought that you were sending me a new card instead you never sent the card but were sending a bill with a new card number .but the bill was never paid because I never use the card. every time my caregiver paid my bills it never questioned that I never had the card you told me that you were going to send a new card out. but when I didn't review the XXXX realize I asked XXXX and i was told that the card was deputed and taken off my credit report. so the payments are for the card that I never used and a card that I never received. I understand that you didn't know so many of these details but I hope that this clears up. I never used the card and was paying for a card I never received. I've still disputed this account whatever the old number that this card replaced the card was attached to. and was used without my permission during the time I had home caregivers was a card that I was attaching to. 
but the card was used without my permission. I believed that the dispute says identity theft. this carded used to be mine, after being reported stolen you charged the account and passed the balanced to the new card but never send the new card. I continued paying for an account that I didn't use the balance was not mine. 

a police report was given.
Consumer complaint received 2024-03-11
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. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-08-09
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. (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. 
XXXX XXXX # XXXXXXXX XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights 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 2022-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I received my tax refund irs 2 hours later Im locked out of my account so I call the number that it tells me to call and I spoke with the supervisor and she was really rude tells me she is Exercising her right in my contract to end our bank relationship so she tells me to look for another bank.. I told her wat about my tax refund she tells me to go to a branch and withdraw and then hangs up on me really rude and I forgot to mention my refund was {$10000.00} so then I go to the branch the following morning just for the branch manger to tell me she cant withdraw my account because it has to post so then I wait for the 2 days wheni went to the branch they only gave me {$1000.00} then they tell me I cant get the {$10000.00} out because they have to investigate it ok why do they have to investigate a irs tax refund direct deposit it has my name on it I took in my brith certificate and my social security card and my tax return documents To the branch and they still refuse to give me my money then they accused me of useing a Deceased person social security number after I should them my social security card!! Its been since the XXXX this bank has been giving me the run around today is the XXXX and still havent been able to withdraw my money and their closing my account I feel discriminated because their unfair .they close my account same time I got my tax refund
Consumer complaint received 2022-04-18
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. (NC)

In accordance with the fair credit reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2023-10-19
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 (OR)

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( XXXX ). I believe that this limitation was placed in error and I have not violated any PayPal policies. 

I have been a loyal PayPal user for [ number of years ] and have always strived to comply with all PayPal policies and guidelines. I have never engaged in any fraudulent or prohibited activities while using PayPal services. 

I kindly request that you thoroughly re-investigate my case and review the information associated with my account. I am confident that this investigation will reveal no wrongdoing on my part. I genuinely value the convenience and security that PayPal provides, and I would like the opportunity to continue using your services. 

I understand that mistakes can happen, and I appreciate your attention to this matter. Please let me know if there is any additional information or documentation you require from me to assist in this review process. 

Thank you for your prompt attention to this appeal, and I hope to hear from you soon regarding the status of my PayPal account. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-09
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. (KY)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXXXXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference 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
Consumer complaint received 2019-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Circle Internet Financial (NC)

On XX/XX/2019 I created an account on the mobile app XXXX XXXX in order to receive {$380.00} from a friend. As soon as I created an account the company closed my account but around an hour later they let a friend send me {$380.00} to an closed account. I have {$380.00} in my XXXX XXXX   account but I can not do anything with it because the company closed my account. I contacted them with the issue and I keep getting an automated response that doesnt answer any of the questions that I have. I believe they are trying to scam me out the money.
Consumer complaint received 2022-04-18
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. (NY)

I Sent XXXX, Equifax and XXXX XXXX certified letters concerning XXXX XXXX XXXXXXXX credit card XXXX XXXX XXXX Credit card, and XXXXXXXX XXXX credit card, and they refuse to delete accounts from my credit reports I am the victim of identity theft these cards DO NOT BELONG TO ME!!! and under the FCRA they must delete especially!!!! Equifax!! I want you to investigate them they are reporting fraud on my credit report I want them Stopped!!!!! I need you to send all tree credit agencies letters ....
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (MN)

On XX/XX/2021 a check of {$5000.00} made to XXXX XXXX from XXXX  XXXX XXXX XXXX was fraudulently cashed at a US Bank XXXX XXXX XXXX. 

I have asked US Bank to reissue me the funds, they said they can not.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MD)

I opened a business checking account with PNC BANK on XXXX EIN- XXXX. My business didn't do well. They started charging me {$10.00} fees every month. They called it maintenance fees. Moving forward I went to close the account on XXXX inside the branch. The attendant gave me the remaining balance and told me she couldn't close the account due to pending transactions. I asked her before she let me go was there any documents I needed to sign and copies to prove my account is closed. She told me no and I left. When I left a XXXX  man came in with a briefcase and walked right in as I was leaving. I remember it like it was yesterday. She would call me and notify me when the account is closed. She called me and told me the account was closed. FDIC rules and regulations upon closing an account your suppose to provide me with my last bank statements, sign a closing account form to make it official and give me disclosures. Of which it never happened. I am grateful I printed out bank statements of my account and I have evidence. Today on XXXX I went to the branch I asked to speak to a supervisor. I went in the office and she begun to make phone calls to antagonize me and intimidate me and pretend she was confused that I didn't know what I was talking about. I told her I want my bank statement and the account closing form I was suppose to receive and she refused to give it to me. She then showed me my account and told me my account balance was on {$0.00} when I closed the account and stated there was no forms I was suppose to be given. They are lying and trying to cover up information of a money laundering scheme going on with my bank account. i don't want one day to have the government at my door due to an account i thought I closed and technically I didn't when the bank is the one in charge of this fraudulent scam. I can only imagine how many people who think they closed accounts and they are still active because of this bank taking advantage of certain demographics of individuals in certain zip codes who aren't aware or don't know the laws or rules and regulations to see these things are happening. I almost didn't see it and they could've gotten away with this if I wouldn't have done my research. If someone can please please investigate on this matter. I am exhausting all my chain of commands until something is done. This is illegal and it should not be happening. 

Thanks In Advance, XXXX XXXX
Consumer complaint received 2022-04-18
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: CL Holdings LLC (AL)

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 an account without my written instructions.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (NJ)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (LA)

I am writing to express my disbelief in the methods your organization employs in determining late payment fees accounts. As is evident in the screen shots below, I opened a revolving account with your institution in XXXX. I used the account on XX/XX/XXXX and paid the account balance off on XX/XX/XXXX. When I looked at my statement the amount paid {$660.00} exceeded the amount due of {$35.00}. It appears that I am being penalized for making a large payment and that payment is not taken into consideration if paid before your statement is created.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

I have a business credit card that I got from chase XXXX XXXX and the card stated interest of 22,99 APR and would vary with prime rate so when I saw the account statement after having the card for less than two months and making a two payments on the account one being the required payment and the other being a voluntary payment and not seeing the appropriate deductions I reached out to chase with questions on how did they apply my payments. It looked as if they charged me interest on top of the interest and could not explain how it was charged. I got conflicting information from everyone I spoke to and wanted to file a complaint against them and have them send me a detailed description of how they charge me interest and how they apply my payment and refund me anything they did not apply to my account.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Lvnv funding LLC is claiming I owe {$1600.00} for a debt that I have no knowledge of I have sent them certified letters starting the first one sign for XX/XX/XXXX to validate this debt and they have yet to send me anything bearing my signature they sent me an itemized bill or something or another on that lines very very fine print that I don't believe that's acceptable is to verify they have not sent me anything and it's been over 30 days I want it removed from my credit report the other letter that I sent them they signed for on XX/XX/XXXX XXXX
Consumer complaint received 2022-04-18
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)

Credit score negatively impacted when a consumer voluntarily closes a credit card account.

A few years ago I needed to build my credit and only qualified for some less-than-desirable cards with high annual fees or monthly fees. I have since rebuilt my credit and have maintained a {$0.00} balance for the past 2-3 years, but am still being charged high fees. I have not closed these accounts because I have been told this will severely impact my credit score.

I am asking this to be changed.

I would like to keep open the low- to no-fee cards I have now qualified for, but close the high-fee ones without hurting my credit score.

Can this be done?
Consumer complaint received 2022-04-18
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. (FL)

My mortgage was with XXXX XXXX. The loan matured on XX/XX/2022 with a balance due for deferred escrows, interest and other fees. I have been trying for weeks to get a payoff amount. I've gotten quotes anywhere from {$5700.00} to over {$16000.00}. On XX/XX/XXXX I went to the local branch and after two and a half hours the assistant branch manager received a quote, which I paid immediately. Then 4 days later XXXX XXXX  filed a report with credit agencies showing I was late on my payment and ruining my credit.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made sure payments on this account are timely, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2022-04-18
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)

The company informed me directly that the payments for XXXX and XXXX were not late. I've spoken with them on two separate occasions and been advised this.