davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

On XXXX XXXX I called Paypal to see if they could assist me in getting my money back on an order I hadn't received yet. While I was waiting for customer service to connect, a computer generated voice came on the line and said there was limited access to my account. When the customer service rep connected, I asked her about the limited access. She informed me that I have a bill in collections for approximately. {$490.00}. She said she didn't know what is was for because it supposedly occurred in XXXX. She said it was on a different paypal account associated with my social security number. But yet I have had my only paypal account for many years and I have used it to make many purchases over the years. I asked her why was I not notified of this collection and why would they let me continue to make purchase, add and withdrawl money to and from my account. Also I have a paypal credit account which is not affected. Paypal is essentially a group of credit cards from other merchants owned by the user and when you make a purchase using paypal it deducts the money from the card you choose in your list of registered cards or you can add money to your paypal debit card. So I don't see how this could happen, because I don't use their debit card until I add funds to it. How could they let this go for 12 years and not inform me of it.They have all my contact information. My phone number, address and email address. 
The represenative asked me if I wanted her to initiate a fraud investigation and I said absolutely.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

HSBC BANK credit card services closed my credit card for no reason. 
They claim that have sent letter to me. I have not received any communication from them in this matter. 

This was my oldest account of all credit accounts I had over 3 years old. 
Again I've not violated any of the HSBC BANK terms etc. 

Never had a late payment pay all my bills on time. I've been with HSBC BANK bank since 2017. I have not received any letter from them. I have HSBC BANK app on my phone and have not received a similar communication. 
I demand that my cards are re -opened immediately. My card has been closed in violation of the Lending Act, EO Act and FCRA act.

1.HSBC BANK has violated my rights to Safety, by closing available credit line I had at my disposal for no reason.

2.HSBC BANK has violated my rights to be heard since have not taken any action. I've contacted them and they have not heard my concern.

3.HSBC BANK has violated my right to information, by not sending the communication in all available methods.

4.HSBC BANK has violated my right to choose by not letting me have a choice and single handedly taken action against me. 

Again I demand Opening my account immediately and recovering and reporting all my history to the bureaus
Consumer complaint received 2023-07-16
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. (NC)

I recently checked my consumer/credit report and I noticed inaccurate and negative items being reported between the three consumer reporting agencies XXXX, Equifax and XXXX. I found that all three scores and information being reported by the aforementioned reporting agencies do not correlate.
Consumer complaint received 2023-01-21
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)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX : XXXX I need these items deleted from my report as a victim of identity theft. 
These inquiries are not valid or authorized for any open accounts. Please provide proof of authorization on inquiry or delete as a violation of my FCRA rights. 

Do not add any additional personal statements at this time. Do not add any alerts. 

* Inquiry : XXXX XXXX XXXX * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/2023 * Inquiry : XXXXXXXX XXXX * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/2023 * Inquiry : XXXX XXXX XXXX * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/2023 FTC REPORT XXXX ADDRESS PROFF ATTACHED*** Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

My complaint is with LVNV. After several disputes, some of the newest dates are XX/XX/XXXX and XX/XX/XXXX I have decided to submit another complaint with you all. I have had court appearances with LVNV and the Judges ruling that I provide LVNV with a police report or a report form the FTC in which I was not able to retain a police report because the officer informed me that I needed the name and address of the violator that stole my identity, but I was able to receive the FTC Report as advised from the judge. LVNV representative did agree to accept this report. Once I filled the reports I followed the orders of the judge and provide LVNV with the document that was agreed on between LVNV and I in front of the Judge in XXXX of XXXX. After they have received my report from FTC they have continued to harass me with letters and not abiding by the FCRA and the judge ruling on this case. This situation has cause me to go into a deep XXXX, I have been victimized by someone and LVNV is not giving up on this matter. I have been deeply depressed because this has caused several companies to refuse me services because of LVNV. I have lost so much behind LVNV. I explained to the judge and LVNV that I am disable and do not have the funding to pay off this debt that is not mine, the judge stated that LVNV can not garnish my income because its from SSI. I am deeply damaged due to this debt that is not mine and LVNV was provided all the required proof that was asked for in the court ordered by the judge. Please help me with this matter, I can not continue to fight with LVNV and be harassed anymore. This is Fraud account and they all the documents to prove it. A letter was sent to them and asked in front of the judge asking for the contract with my signature and they con not provide me nor the judge with it.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/2023, I couldn't login to my Chase acct and I was being told the acct is locked and I need to call or go to a branch to unlock it. After I visited a branch, the banker told me the Chase is closing my acct and refuse to tell me why. A few days later my acct is closed but I didn't receive my remain balance in that acct so I called the Chase again and they told me my fund is being hold by their legal apartment and can't release the fund until the approve it. The amount is around {$5600.00}. It is been over 4 months and every time I called Chase they telling me the same thing that the legal team still reviewing it and there is no XXXX. Also they tell me they can't reach out to that team so there is nothing I could do except waiting. I really need my money back cuz I'm living pay check by pay check now and they even refuse to communicate with me.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act as they are currently reporting both Transactions and Experiences which is EXCLUDED on consumer reports. Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). They are reporting XXXX late payments and a balance of {$390.00}. I have also sent a notice to the consumer reporting agencies about this erroneous information to which they have not complied to the procedures and requirements of the Fair Credit Reporting Act.
Consumer complaint received 2023-07-16
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. (GA)

You are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights. 

15 U.S.C 1681 section 602A. Clearly states that 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 verified without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

According to 15 USC 1681. 
I DEMAND THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT THE INFORMATION LAST PAYMENT DATE IS DIFFERENT ON EACH CREDIT REPORT ( XXXX ) ( XXXX ) ( EXPERIAN ) BY LAW ALL INFORMATION HAS TO BE 100 % ACCURATE XXXX XXXX XXXX.
Consumer complaint received 2021-01-01
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: CITIBANK, N.A. (CA)

Hello I had a good banking relation with Citibank but due to Covid and my travel movement outside US I had a very hard time connecting with citibank on my credit cards, pending payments & my rewards. 

The complaint I had is citibank closed my credit cards and took away all my rewards associated with my multiple credit cards while I unsuccessfully tried to reach out to them to clear my dues ( from overseas location ). 

From XX/XX/XXXX till XXXX XXXX I tried calling the Citibank US numbers and was never provided a clear response on the status and unfortunately I was not able to access my online account to use my rewards associated with the credit cards.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2023, I began doing business with a company over the internet. They charged my Pay Pal account {$63.00} on that day, and they stated that they would make subsequent charges against that account, until almost {$300.00} was paid to them. 

I spent the weekend in the emergency room, with a family member, who has since died, and so I paid no mind to it. 

On Monday, XX/XX/2023, I discovered that the company who had charged my Pay Pal account, had done so deceptively. I contacted them, in writing, several times, and I informed them that they had broken state and federal laws, and deliberately withheld facts from me, which I was relying upon when I decided to do business with them. I asked them to delete my profile and refund me, but they refused and did neither. 

I then provided proof to them that they had had committed statutory fraud, but they still ignored me and informed me that they would continue to charge me. 

So I filed a formal complaint against that business with the Federal Trade Commission, and XXXX XXXX XXXX 

I then went to Pay pal, and tried to stop the payment, but they forced me into an automated system, which would not allow it. I called their number, repeatedly, for three days straight, but I never reached a human and I sat on hold indefinitely. Pay Pal obviously does not wish to provide any real service, since their entire resolution process is strictly " app '' driven. 

Nevertheless, it's my money and my right under the law to stop fraudulent payments. 

For the record, I am a XXXX, certified consumer affairs XXXX for the New Jersey XXXX Attorney General, and so when I say that I was defrauded, it is with the full understanding of the law and my rights. 

XXXX XXXX can not just use my money as they choose, and then ignore me. I am entitled to dispute these fraudulent charges.
Consumer complaint received 2021-01-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Medical Data Systems, Inc. (FL)

Unauthorized inquiry made in XX/XX/2020 to XXXX  XXXX DBA XXXX  XXXX. Also I have 2 collections negative remarks on my credit report from a hospital and I was indigent. I had no income so I filed all the necessary financial aid and now theres 2 in my negative collections. Please review and contact me ASAP. XXXX XXXX
Consumer complaint received 2021-01-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

The credit bureaus have inaccurate information on my credit report and I want it removed immediately and they did not get back with me in 30 days which they have to do by law according to the FRCA.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I overdrafed my account because I did not have enough for my bills. They ended up charging my account {$180.00} and then closing it. And they gave me such a hard time about trying to pay it so I can open my account back up. But unfortunately we did not come to a resolution and I believe I got sent to credit collection. So I have not been able to open a bank account anywhere else because of that. This occured in 2022.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NV)

RE : CLAIM # XXXX I do not feel that Chase Bank properly took the time to address my dispute with a merchant regarding a cancelled transaction that I was still billed for, especially with all the information and documentation that I provided. They did not take the time to properly look at my case, nor even as much as took the time to interview or question me about what exactly happened. If they did, they would clearly see that the merchant did not fulfill their end of the agreement. They now have my money and product, due to Chase Bank 's negligence, lack of communication and careless dispute process. 

I put a deposit of {$400.00} for a sofa and loveseat set from XXXX XXXX XXXX, in XXXX XXXX, Nevada on XX/XX/2020. The transaction was done in the store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The contract clearly shows that the products were to be delivered on XX/XX/2020. On XX/XX/2020, I not only 1. called the merchant to cancel the order, 2. requested to cancel the order in writing via email, and 3. tried to cancel the order in person, all of which the merchant refused to do, which at that time I had no choice but to file the said dispute via Chase Bank. 

After doing their so-called " investigation '', Chase Bank found that I was liable for the charges, because " the merchant stated that you left the store with the merchandise. '' First of all, the contract ( that I also provided to Chase Bank ) shows that the product was to be delivered to my address on the contract on XX/XX/2020. Secondly, what furniture store has inventory on hand, and what kind of customer can just " walk out the door with the merchandise ''? Third, the contract shows that a {$400.00} deposit was paid, with a remaining balance due of {$1500.00}. What company allows a customer to walk out the door with the merchandise with a balance due? Fourthly, the section stating " received this merchandise in good condition by '' sign/date was never signed by me. All of this was shown on the contract, as well as clearly explained to the members of the dispute department at Chase Bank, who then claimed that the merchant stated I have the merchandise and thus I am liable for the charges. This is not only a fraudulent statement placed by the merchant, but is in no way a proper way to handle a dispute by Chase, who had all the evidence of the merchants wrong-doing in their hands, but yet still sided with them.
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (PA)

I have filed a dispute in regards to the incorrect item on my credit report. It has been over XXXX  days and I haven't received any investigation results.
Consumer complaint received 2023-07-16
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: EQUIFAX, INC. (VA)

I went online to view my credit report on MyEquifax.com. There is a soft inquiry from XXXX XXXX that I do not recognize. I do not have any medical bills and I pay my medical bill in cash or credit when I go to the doctor or critical care. Equifax has no information on the company and when I tried to contact Equifax via phone, there is no way to get a live customer service agent. They menu system doesn't have an option and I spent XXXX minutes going through all the menus. I next tried to contact Equifax through their Contact Us link. It has forms to fill out but there are no forms to get information on an Inquiry -- only to dispute incorrect information. On the other soft inquiries, it has the actual company that made the Soft Inquiry and they were all for account review. The inquiry marked XXXX XXXX is for account review but there is no company listed and Equifax does not provide the information on who made the Inquiry. I do not have a credit account with any medical collection company. My bills are all paid when services rendered. I do not give medical providers my SSN so the company that made this illegal inquiry has my PII including SSN without my permission.
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (VA)

CONTRACT CALLERS, INC has sent forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. CONTACT CALLERS, INC is violating my rights to privacy as a consumer.
Consumer complaint received 2023-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I WAS AT THE END OF MY LOAN AND ONLY HAD A LITTLE OVER {$1300.00} LEFT TO PAY ON MY LOAN. I WAS REAR ENDED BY SOMEONE WITHOUT INSURANCE & THERE IS ABOUT {$10000.00} WORTH OF THINGS THAT NEED DONE TO THIS CAR INCLUDING FRONT/BACK BREAKS, RACK & PINION & THE WHOLE TRUNK NEEDS TO BE REPLACED ALONG WITH THE EXHAUST FROM THE ACCIDENT. I PAID THESE PEOPLE OVER {$12000.00} FOR THIS CAR AND ONLY HAD ABOUT {$1300.00} LEFT TO PAY!!! 

i AM TAKING CARE OF XXXX CHILDREN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STRUGGLING TO MAKE ENDS MEAT. I'VE HAD ISSUES WITH THIS COMPANY THROUGH MY WHOLE LOAN WORKING WITH ME. MY PHONE HAS BEEN OFF BECAUSE I COULDN'T AFFORD IT RIGHT NOW. THEY SAID THEY TRIED CALLING, BUT I NEVER RECEIVED ANY EMAILS ( EXCEPT FOR 1 EMAIL THE DAY BEFORE THEY REPOSSESSED MY CAR ) NOR ANY VISITS TO MY HOME TO TRY TO SEE WHAT'S GOING ON. NOW THEY ARE SAYING I NEED TO GIVE THEM OVER {$2000.00} TO GET THE CAR BACK. IF I CHOOSE NOT TO, I HAVE TO PAY {$75.00} JUST TO RETRIEVE MY BELONGINGS THAT IS IN THE CAR RIGHT NOW. WHEN I TALKED TO XXXX XXXX AT AUTO NOW, SHE TOLD ME THEY HAVE " NO PATIENCE FOR THINGS LIKE THIS ''. THEY COULD CARE LESS ABOUT PEOPLE STRUGGING & TRYING TO MAKE ENDS MEAT.
Consumer complaint received 2023-03-07
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. (FL)

( REMOVE THE LSITED ACCOUNT IMMEDIATELY OFF OF MY CREDIT REPORT DOESNT BELONG TO ME AN IS BEING REPORTED INACCURATELY! ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX  XXXX XXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws.

Thanks 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XX/XX/1995 XXXX XXXX of XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

last month I applied for a secured credit card at a bank, then representative told me after pulling my report shows I have SSN, but I am NRA, I only have ITIN, there is no SSN at all.