davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

XXXX XX/XX/XXXX I created a PayPal invoice # XXXX in the amount of {$100.00}. The invoice was paid for and I had money in my PayPal account. I did not receive any notices that the money " if not claimed within 30 days '' would be refunded automatically back to the purchaser. I tried to claim the money on XX/XX/XXXX, before the 30 days. I had to link my bank accout to transfer the money over. PayPal said they would be depositing two small amounts in my account and I was to verify these amounts. The amounts would show up in 1 to 3 days. This shortened my 30 days up by 1-3 days. So I couldn't verify at that moment. When the amounts showed up in my bank account on the XXXX, I verified the small amounts on the XX/XX/XXXX. Now we are after the 30 days. Then, PayPal asked for me to send a picture of my driver 's license or utility verifying my identify on the XXXX. I did this immediately, but now we are XXXX days past the 30 days. I was now a " Verified User '' and could claim my invoice. By this time, PayPal had already refunded the money with the XXXX of XXXX being the XXXX day. PayPal 's verification process did not allow me to have the full 30 days to make the claim by having to wait XXXX to 3 days for bank account approval then driver 's licence/utiity bill statement. Their policy of the " user verification process '' is not explained to users. delayed my ability to claim my money in 30 days and now I am out the money. The only recourse I have is asking the person who paid the invoice to pay it again. 

PayPal 's user agreement has been attached and it states : " If the seller you are buying from sells goods or services and that seller does not already have a PayPal accout, they can claim your payment by opening a PaPal account. If they don't open a PayPal accout within 30 dyas, your purchase will be refunded ''. 

I had an account opened long before the 30 days. This says nothing about being a " Verified User '' PayPal 's user agreement has been attached and it states : " When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorization of the payment will remain valid until the seller completes the transaction ( but no longer than 30 days ). '' What does " completes the transaction '' mean? I completed it when I recieved it. That's how transactions work.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

On XX/XX/24, I discovered that this company had a credit freeze on my credit. I called them to ask who requested a credit freeze. They indicated that they could not discuss it over the phone. Their placing a credit freeze on my credit prohibited me from obtaining the purchase of a CD from XXXX XXXX on XXXX never gave this company permission to freeze my XXXXThis action cost me {$740.00} in lost interest proceeds.
Consumer complaint received 2023-06-28
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 have never applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CO)

AMERICAN EXPRESS IS INCORRECTLY REPORTING TO ALL 3 MAJOR CREDIT BUREAUS THAT I STILL HAVE A BALANCE ON MY ACCOUNT. I PAID THE BALANCE OFF IN FULL IN XXXX BUT YET THEY ARE STILL REPORTING THAT I HAVE A BALANCE OF {$800.00} WHICH IS INCORRECT. 

WITH COVID19 OFFERS I AM PULLING MY CREDIT AND MONITORING IT VERY CLOSELY WHICH IS WHY I KNOW THEY ARE REPORTING AN INCORRECT BALANCE. 

THIS IS NOT THE FIRST TIME THAT AMEX HAS BEEN CAUGHT REPORTING INCORRECT INFORMATION. FIRST THEY ARE REPORTING LATE PAYMENTS THAT NEVER HAPPENED, AND NOW AN INCORRECT BALANCE. I PAID THEM OFF 100 % IN XXXX. THEY ACTUALLY OWE ME MONEY AND YET THEY ARE DOING THIS. THIS IS ILLEGAL AND A VIOLATION OF THE FCRA. 

I AM REQUESTING THAT A FULL INVESTIGATION BE DONE AND THAT IF A MONETARY FINE CAN BE IMPOSED PLEASE DO SO. IF THIS INFORMATION IS NOT CORRECTED ON ALL ASPECTS OF MY AMEX ACCOUNT I WILL BE SUING THEM FOR FCRA VIOLATION AND THAT IS A FINE OF {$1000.00} PER INSTANCE REWARDED TO ME BY THE COURTS.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

BJ 'S PERKS MASTERCARD BY COMENITY BANK CHARGED ME LATE FEE ON XX/XX/XXXX {$40.00} AND PRIOR TO THAT CHARGED ME {$28.00} DUE TO FACT THAT I RECEIVED BILL LATE AND PAID LATE. I EXPLAINED TO THEM THAT I WAS AFFECTED BY COVID19 AND ALSO NY GOVERNOR ISSUED AN ORDER TELLING BANKS NOT TO CHARGE CUSTOMERS LATE FEES. THIS BANK DO NOT CARE. I WANT MY MONEY REFUNDED. I ALSO WANT THIS BANK SHOULD BE IMPOSED A PUNISHMENT DUE TO GIVING CUSTOMERS HARD TIME IN THIS DIFFICULT TIME. THANKS! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
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. (LA)

RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX XXXX XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX BXXXX XXXX  ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX XXXX XXXX for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (HI)

This collection agency Zions Debt Holdings is attempting to collect a debt that I do NOT owe in the state of Hawaii and they have reporting this false information on my consumer report which violates both FDCPA and FCRA. I demand that they show evidence that they are justified in collecting such debt by providing all requested documents stated in the attached dispute letter. This includes a notarized signed agreement bearing my signature or an assigned agreement from creditor that also bears my signature. Last I check I did not signed anything authorizing this agency to collect on behalf of the creditor that I conducted business with. Additionally, in the state of Hawaii, a debt collector is required to be bonded and have a license to collect, therefore, I am demanding that they show proof that they are allowed to collect in Hawaii otherwise they would be violating the HFDCPA ( Hawaii Fair Debt Collection Practices Act ). If they can not show any of the requested documents then I demand that they cease all collection activity and delete this item from my consumer report. Lastly, this agency has also been in trouble with states such as Idaho for collection practices without a license in the state. Please view attached. I could not find this agency on XXXX.
Consumer complaint received 2023-06-28
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. (TX)

Transunion is currently reporting " XXXX XXXX XXXX '' to my credit report, as of XX/XX/23 this account was reported as a collection or closed account. Although the collection agency and I have requested that it be deleted. The debt was paid in full. I've also submitted a dispute with Transunion, and nothing has changed unfortunately. It is against the law for Transunion to report incorrect information to my report.
Consumer complaint received 2022-10-04
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: Bread Financial Holdings, Inc. (TX)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Webcollex, LLC (MN)

I had a visa account with XXXX. I purchased several fishing reels with this company on it. Repeatedly they broke and repeatedly I returned them until I gave up because of their poor craftsmanship. I explained this to the company and they agreed to remove it from my account. Years later a debt collection company has come after me and forced me to pay the {$540.00} on the principle that they would quote un quote hold my credit score hostage as stated on the phone. The debt was paid and now they refuse to remove the account from my XXXX  report or do anything to fix the damage to my credit having them account relisted after the original creditor agreed to remove it.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Pursuant to Florida statute 28.222, the clerk of the circuit is the recorder of all instruments that may be required or authorize by law to record. Florida Statute 695.26 ( XXXX ), outlines the legal requirements for recording instruments affecting real property " NO INSTRUMENT BY WHICH THE TITLE TO REAL PROPERTY OR ANY INTEREST THEREIN IS CONVEYED, ASSIGNED, ENCUMBERED, OR OTHERWISE DISPOSED OF SHALL BE RECORDED BY THE CLERK OF THE CIRCUIT COURT UNLESS : ( D ) THE NAME OF ANY NOTARY PUBLIC OR OTHER OFFICER AUTHORIZE TO TAKE ACKNOWLEDGMENT OR PROOFS WHOSE SIGNATURE APPEARS UPON THE INSTRUMENT IS LEGIBLY PRINTED, TYPEWRITTEN, OR STAMPED UPON SUCH INSTRUMENT IMMEDIATELY BENEATH THE SIGNATURE OF SUCH NOTARY PUBLIC OR OTHER OFFICER AUTHORIZED TO TAKE ACKNOWLEDGMENT OR PROOFS. 

Florida Statute 695.03XXXX " To entitle any instrument concerning real property to be recorded, the execution must be acknowledged by the party executing it, proved by a subscribing witness to it, or legalized or authenticated by civil-law notary or notary public who affixes her his official seal, before the officers and in the form and manner following : ( XXXX ) WITHIN THE STATE OF FLORIDA - '' AN ACKNOWLEDGMENT OR PROOF MADE WITHIN THE STATE MAY BE BEFORE A JUDGE, CLERK, OR DEPUTY CLERK OF ANY COURT, A UNITED STATES COMMISSIONER OR MAGISTRATE, OR NOTARY PUBLIC OR CIVIL -LAW NOTARY OF THIS STATE, AND THE CERTIFICATE OF ACKNOWLEDGMENT OR PROOF MUST BE UNDER THE SEAL OF THE COURT OR OFFICER, AS THE CASE MAY BE. ALL AFFIDAVITS AND ACKNOWLEDGMENTS HERETOFORE MADE OR TAKEN IN THIS MANNER ARE HEREBY VALIDATED. 

THE STATUTES ARE CLEAR... .IN THE STATE OF FLORIDA A VALID MORTGAGE FOR RECORDING MUST CONTAIN ACKNOWLEDGMENT FOR ALL SIGNATURES. A MORTGAGE NOT NOTARIZED OR LACKING ACKNOWLEDGMENT CAN NOT BE RECORDED OR ACCEPTED BY THE CLERK PURSUANT TO THE FLORIDA STATUTES. 

Mr Cooper and their legal counsel Choice Legal Group, P.A. HAVE ENGAGED IN PUBLIC CORRUPTION WITH THE XXXX-XXXX XXXX XXXX XXXX OF THE CLERK OF COURTS. ON XX/XX/2020, THE LEGAL GROUP CAUSED TO ILLEGALLY RECORD THE INSTRUMENT DEEMED NOT VALID FOR RECORDING AT THE XXXX XXXX XXXX WHICH IS A CLEAR VIOLATION OF THE MENTIONED FLORIDA STATUTES XXXX 

THIS COMPLAINT SERVES AS PROOF IN THAT THE CONSUMER FINANCIAL PROTECTION BUREAU WERE GIVEN SUFFICIENT PROOF OF PUBLIC CORRUPTION AND PROOF THEREOF VIOLATION OF FLORIDA STATUTES : 28.222, 695.26, 695.03. THIS COMPLAINT SERVES AS PROOF THEREOF IN THAT THE CONSUMER FINANCIAL PROTECTION HAVE BEEN GIVEN CLEAR AND CONVINCING PROOF FRAUD, UNFAIR BUSINESS PRACTICES, AND PUBLIC CORRUPTION IN CONNECTION WITH THE ILEGAL RECORDING OF AN INSTRUMENT AFFECTING REAL ESTATE PROPERTY. ACTION IS HEREBY REQUESTED FROM THE CONSUMER FINANCIAL PROTECTION. LET SEE HOW MUCH INTEGRITY THE BIDEN ADMINISTRATION HAVE OVER PUBLIC CORRUPTION.
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

On XX/XX/2020, CAPIO partners fraudulently reported a debt of {$2500.00} on my XXXX  credit report. I have not received any documentation to verify this debt. I have not been contacted by this company whatsoever. If you search the name of this collection agency online, you will find hundred of consumer complaints describing these unfair and deceptive tactics.
Consumer complaint received 2019-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC (NY)

on XX/XX/XXXX at XXXX XXXX, a {$300.00} money transfer via Zelle, a subsidiary of Early Warning Services , LLC. The Zelle transfer was sent to my XXXX XXXX account but will not be available until XX/XX/XXXX. 

Overall, a service that was supposed to be immediate or reasonable, is taking 7 days. I expected the transfer to arrive within a reasonable time. 

I expected the transfer to arrive within a reasonable time. It is stated in the Zelle literature that enrolled Zelle customers can expect payment within minutes. I am enrolled in Zelle and I have a XXXX XXXX  account. 

The transfer will not be available until XX/XX/XXXX. This is an abuse of customers. This money was needed urgently and is being held by Zelle/XXXX. 

The service is advertised as transferring funds within minutes and it is expected that funds will be available quickly when these services are used. These advertising are confusing and false and abusive to customers.
Consumer complaint received 2024-06-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I paid my account to XXXX  almost a year ago. The creditor continued to pull {$50.00} from my bank account every month no matter what I did to try to cancel payment. Called my bank, cancelled through the creditors website etc, phone calls with customer service to cancel. Each month I would call and request the refund. In XXXXXXXX XXXX XXXX I cancelled my credit card. After that like clock work they continued to pull payment and I have to call and request a refund. This is causing a financial hardship on me and is extremely frustrating.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I received a call from a gentlemen on Friday the XXXX. He stated he was calling in regards to the complaint I filed on the XXXX of XX/XX/XXXX. I answered everything adequately and when I was asked my Date of birth l, I responded with what is my DOB- XXXX. He stated he did not have that on the system. He checked again and kept asking me for a diff date. I have banked with Wells Fargo since XXXX. I only have one DOB. I believe they are trying to place or find excuses for their mistake earlier this month of not allowing me to access my funds and paying my negative amounts to them and/ or use my own funds/ money. Blaming my employer and stating I could not know the reason the check was mot allowed for me to be used by myself. Now, my question is how can one possibly have an account for so long and have a diff date of birth on file all of a sudden, as to what they are supposed to have on the system and has never seemed to be different in any other call or scenario? I have banked with them since XXXX. Have always showed my drivers license which clearly states XX/XX/XXXX. He sounded very nervous when questioned and would not give me any more information but then further asked for my address. I no longer felt comfortable with the call so I proceeded to state Id place another complaint. They are trying to find ways of covering their negligence. I no longer want to bank with Wells Fargo and will be closing my account. If this in fact is not my acct or they have wrong information then I suppose them sending me to collections when not even 30 days had passed of me being negative on my acct is complete negligence and unfair to say the least. The whole situation is a mess and I would like for them to fix it. He stated nervously I should visit a branch in person. I replied I had no reason to keep wasting my time and efforts on fixing issues they have clearly composed themselves.
Consumer complaint received 2023-05-13
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 FROM MY BUREAUS TransUnion : # HK # EFCRA 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 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MS)

Loan of XXXX, XXXX I was paying on it my account balance was never reflexing on my account it would change just a little but not alot with what I was paying back on the loan...
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

Subject : Help to redeem Earned cashback for XXXX Credit Card Account Hello, I hope this message finds you well. 

I am writing to seek help regarding the closure of my XXXX Credit Card account by Synchrony on or around XX/XX/year> and not receiving the earned rewards for the statement period from XX/XX/year>, to XX/XX/year>. Specifically, I am entitled to approximately {$640.00} in cashback rewards ( calculated at 6 % on grocery purchases for that period ). I will provide a detailed calculation of this amount if necessary. Note that, the closure was done without any attempt to contact me or requesting information or transferring the rewards in my XXXX balance as expected. 

On a recent call with Synchrony 's customer service, the representative I spoke with was very cooperative but unable to resolve my issue. Given these circumstances, I kindly request your consideration towards a fair resolution and that I receive the cashback rewards. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX PARAMOUNT RECOVERY SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX