davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

I keep receiving these emails stating that my account has been ( Your account has been suspended [ Case ID:XXXX ] ), and each time I log in I am unable to speak with a representative to resolve this problem. I have received several email messages like this one. My account is still active.

I am having to use my account today to pay a vendor ( XXXX XXXX XXXX ) person. 
This kind of service is unacceptable to me as I have been a valuable customer of PayPal for over ten ( 10 ) years without any problems. 

This is the full email that I received XX/XX/2020 at XXXX XXXX XXXX To : XXXX., XXXX.. 
XXXX XXXX,.
Consumer complaint received 2023-08-07
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: SYNCHRONY FINANCIAL (PR)

I requested a line of credit from Synchrony Networks to maintain my score or it will increase. A self-payment through the company 's application was scheduled for the XXXX, which was the payment deadline. I had not seen that the company takes 2 to 3 business days to complete the payment, as soon as I noticed I updated the self-payment date for the XXXX of each month, in the same way I made a payment for {$90.00} on XX/XX/2023 for the application. Similarly, on XX/XX/2023, another {$90.00} of self-payment was collected. Despite not entering into late payments, the company reported information to XXXX that left me XXXX XXXX. Filed a dispute with XXXX which resolved that Synchrony Networks should send updated information. At the moment my score with XXXX has only gone up XXXX XXXX Likewise, on XX/XX/XXXX, another payment for {$60.00} was made, which was reflected immediately.
Consumer complaint received 2022-10-28
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. (OH)

XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted XXXX and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (WI)

The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities. 15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Cascade CISS Holdings, LLC (MO)

I have XXXX XXXX Inquiries that I know nothing about and need to be removed. I believe that they did this without my knowledge. 

Credit Plus XX/XX/2022 XX/XX/2022
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (TX)

This is the third attempt to close my Paypal account. The last attempt included a mistake purchase being made on the account which I assummed was closed. If the account had been closed then this purchase would not have happened. After I made the payment to correct this mistake, I again asked that the account be closed because leaving this account open when I dont want it puts me at risk for fraud. I dont monitor it nor is it included in my anti fraud software. However it remains open after I called and sent postal letter and I keep getting emails with account balance statements.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To Whom It May Concern : I have authenticated over the phone that a person in the executive team rapidly sent a correspondence without completely doing their due diligence. The conversation started with the amount owed for XXXX of XXXX. The amount has tripled. They claim that their XXXX APR is no longer in effect. The XXXX APR was over many months ago. In fact it should have not been in effect since they closed my account and also caused delinquency. The gentleman that I spoke to started to then go backwards to XXXX of XXXX in which he said I made charges. I asked him did I pay the bill and he authenticated that I did. Then we started moving forward to the months after that and he authenticated that payments were made. Then he skipped all the way to XXXX in which he started to all the previous months and tried to change the conversation. He claimed I didn't make the payments. Meanwhile I said that Bank of America didn't allow me to make payments, canceled my card and in addition hurt my credit score. This same gentleman wanted to talk about XXXX and not talk about the issue. Bank of America was the fastest to respond and I asked him if he listened to the voice recordings and do his due diligence. He ignored the question. We spent 1.5 hours talking about subjects that he wanted to avoid. 
Regardless he claimed the case was closed and I said how can the case be closed if he hasn't done all his full due diligence. He then admitted that he needed to do more research. I mean seriously ... You conclude and then say you need to do more research. 
Regardless I have submitted and uploaded that I have made payments to this website and I also proved to Bank of America and they still refuse to accept that they have made massive hurtful errors to me and my family.
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (VA)

This is from a previous complaint against a debt collection agency. I used to be a member of XXXX XXXX XXXXXXXX. I have asked them to cancel my membership and they told me they did. Later I was getting calls from ABC Solutions saying that I owe membership dues, or that I owe them XXXX dollars. That was months after I discontinued my membership with the gym. Then they said to cancel you had to do it in writing, and unless it's done in writing it's not canceled. But I did call and they told me it was canceled. Also I was not in a good health at the time when I called and canceled, but I did speak to someone who said it's all done. 

I have also provided evidence where I emailed them several times about this. 

Now their collection agency " XXXX XXXX '' is what they call themselves, keeps calling without leaving a message. And twice hung up on me when I was trying to find out from them what is going on. Their representative claims that they sent me a notice in the mail about their decision, and I didn't receive anything. They didn't include the apartment number in the address. Then their representative threatened that they will take a legal actions against me, and that I better pay the XXXX dollars to avoid further legal action. 


I will actually take a legal action against this collection agency if they continue their harassment. I have contacted XXXX XXXX  XXXX several times, through email, to resolve the issue. I have a proof of that, which I provided in the last complaint I filed with the consumer protection agency. If this doesn't stop here I will get a legal counsel.
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I contacted XXXX Via certified mail to inform them of inaccurate information listed on my credit report. XXXX responded to my letter XX/XX/XXXX to inform me that the account was charged-off XX/XX/XXXX and SOLD to XXXX XXXX XX/XX/XXXX XXXX I will be sending out my dispute letter enforcing my consumer rights to XXXX XXXX directly as well and I will be filing a complaint with the attorney general. My rights as a consumer have been violated by furnishing my information without my consent as well as many other violations that will be stated in my letters. XXXX should be held responsible.
Consumer complaint received 2023-05-04
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: SANTANDER HOLDINGS USA, INC. (NY)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible SANTANDER CONSUMER U XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (IA)

My checking account had {$24.00} in it on the ending balance for the day. The next day I was charged {$70.00} in overdraft fees. I have a screenshot showing this. When I contacted the bank, they stated I had a negative balance so they would not be reversing my overdraft fees. I want my money back, and I do NOT want the bank contacting me. I only want the resolution in writing, so I can decide what my next steps are.
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I have been using an investment platform to wire money for trading. Up to this point, I have had no issues. But, on XX/XX/2023, I wired money to this recipient, XXXX XXXX, to deposit into my investment account. A week later, the platform told me that the transaction did not complete and that I needed to go back to my bank ( JP Morgan Chase ) and request for a wire recall. I have filed a case with Chase and told them I was scammed. This is a fraudulent activity because the recipient stole my money. When Chase contacted their bank, XXXX XXXX XXXXXXXX XXXX  their bank said they were unable to return the funds. They said that if this is fraud, that Chase needed to send over a Hold Harmless Letter. I spoke with my bank and asked them to send that letter but their Claims department rejected my claim and said that because I authorized the original wire transfer, that this does not fall into their definition of " fraud '' and therefore they would not be able to send the hold harmless letter on my behalf. Meanwhile, the Chase wire research team is continue to reach out to that other bank to ask for a recall. At this point, I don't know what else to do. My bank is not cooperating and helping me and I've lost a significant amount of money that I don't think can be recovered. Please help me.
Consumer complaint received 2022-10-28
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. (MD)

XXXX XXXX is not providing update information to my credit report. XXXX XXXXt shows a different balance on website than on credit report as well as payment history is not updated. I have previously dispute this item with the credit bureaus with no assistance, information is coming back verified each dispute. diverse which is showing in my credit report has no information on my credit file.
Consumer complaint received 2024-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (OR)

. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well.According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1692s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Consumer complaint received 2021-03-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (GA)

XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, No validation of debt. 


Validation Letter sent to : XXXX XXXXXXXX XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

Furthermore, XXXX XXXXXXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NY)

They have contacted me multiple times Imagine credit card company theyre charging me fees and now were reporting on my credit history negative reporting in their terms of services states if you dont use it, youre not responsible for anything I would like to pursue them and charge them fees for trying to collect them debt and all the calls that I got letters and emails trying to collect a dead I dont o
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AL)

I was attempting to buy a house and noticed these inaccuracies on my credit report : XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/year> to current and they still remain. 

JPMCB CARD SERVICES $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 
. 

XXXXXXXX XXXX- No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/year> to current and they still remain. 

JPMCB CARD SERVICES $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 


XXXX XXXX ( XXXX ) - No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt.. 

XXXX XXXX ( XXXX ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXXXXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 


XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/year> to current and they still remain. 

XXXX XXXX {$1000.00} No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX XXXX ( XXXX ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXXXXXX XXXX  and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 

JPMCB CARD SERVICES $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

XXXX offered me a lower cell phone account, along with internet. I told them I wasn't sure my son would switch the internet and would they send me a return label. They said " yes. '' A month or so after I got the box for internet, I found the XXXX card and I couldn't do it myself. They wanted me to come into the store and I told them never mind. I asked for a label to return the internet box and they couldn't find my account and told me no. I said I would take it to the store and they said no, I would still have to pay for the box. So, here I sit with this on my credit report and I never used either the XXXX  card or the internet at all. Please help me with this dispute. XXXX will not accept this dispute as a good reason to take this off my credit report, but XXXX did. Of course they did- it is not a valid charge.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (ND)

Honestly I have so many screen shots of this insanely unstable use of my hard earned money that was supposed to go to this car that was deemed a total loss in XX/XX/2024. XXXX fees insane amounts used just for interest others XXXX dollars only used on my principal balance the rest all on interest. Refund payments I never received ask XXXX bank for my credentials I never got a single cent from someone wrecking this car in fact I've gained more loss since it happened from this corrupt company. 

I give XXXX full access to my account to investigate Toyota Financial Services This has to stop so it doesn't happen to others cause this is insane.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC. (GA)

Halsted Financial Services claim I owe XXXX XXXX XXXX a sum of money from a debt acquired from XXXX  XXXX. 

I have never owed XXXX XXXX any sum of money. 

Researching into this it is clear that this is a scam that Halsted has done previously.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Paypal Credit/Synchrony bank remittance department sent me a letter with blue paper stating that they could not accept my tender of payment and to make corrections. The letter instructed me to send the blue paper back with the corrections and tender of payment, but the tender has not been applied to my account. 

The tender was notarized and sent via USPS overnight, and it was delivered on XX/XX/XXXX. Tracking # XXXX It is now XX/XX/21, why isn't there an update on my account? 
Account : XXXX