davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
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 ()

Hello Sir/Madam , I'm using paypal for online business buying loads, game credits online, transferring funds using XXXX  or digital services. 
My account XXXX was permanently limited since XX/XX/2022 and has a funds stuck in it, i wish to withdraw my funds and hoping it was restored soon Thank You, XXXX
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I filed a report with theFTC and and then did a report with XXXX and XXXX explaining that I was scammed. The scammers tricked me into sending them money through XXXX  and XXXX did not want to help me nor XXXX wanted to. Even though I had provided proof and the report from the FTC.
Consumer complaint received 2022-05-22
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 ()

Good Day, Im using paypal for my online business and my account XXXX opened in XX/XX/2022 and has been permanently limited and I have funds of XXXX XXXX stuck. I hope my account will be back so that I can withdraw my money. thank yoy for helping. 

XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Experian has not been giving me a correct information on XXXX XXXX On credit bureau. They re moved my present address that lived at for 4 years. I found out that my previous address is getting my copy of credit report. Post lady told me with previous address.. And I report it to all credit bureau XXXX This has been going on for years. I can't even get a copy of my annual credit. I Asked them to remove my data 7 years older. There's no activity on them XXXX XXXX  denied me for increase said I had to much credit. I don't I only have XXXX limit. 
They can remove old data. I pay my bills on time and late. Someone is applying for credit in XXXX XXXX. That I don't have. At least Experian stop it. Because I had fraud alert. Because XXXX XXXX said I had to much credit. They getting my credit with someone else.The credit bureau is reporting my address with out the apartment number. Even the old address. I bought a membership with Experian XX/XX/2023. It's been a horrible. Called customer service. They couldn't find my account. They said my account was cancelled. Never cancelled it. So I am paying XXXX a month. Not getting my alerts when someone is using my credit. I was told by Experian that they received my dl was on dark web. That a service they have. XXXX has service that XXXX had my SS.information. breached. I don't have cell phone from XXXX XXXX I only have one phone. 
Experian said that I email them a copy of my dl.ss. I told them I never did that. Or 2 other credit bureau. Never send my information over the phone. Experian was careless. Did not call me. 
Experian. Is mixed my information with someone else they trying to cover up there mistakes. They put threw alot of pain. I go by maiden name. Experian has my credit mixed up with family. Some similar to my name or social security. I will never know because I am not getting an annually credit. I don't have alot credit. Investigate this please. 
XXXX cell number. 
XXXX XXXX
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NC)

In accordance with the Fair Credit Reporting act. 
XXXX XXXX act # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX I do not owe any debt or am I a resident in the state of SOUTH CAROLINA There are 4 violations circled on the attached correspondence from the mentioned company.

15 usc 1692 C 15 usc 1692 D ( 2 ) 15 usc 1692 B ( 2 ) 15 usc 1692 G ( A )
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

I paid off and closed my XXXX account, comenity bank, back in XXXX. I was billed for residual interest and paid it in full. The next month, received a bill in XXXX for another {$13.00}. I again, paid it in full. I was turned in as no payment which shows as a negative mark on my credit report. Now today, XXXX, XXXX XXXX, have a {$1.00} amount on that closed account pending. Please help me to end this nightmare.
Consumer complaint received 2022-05-22
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: Velocity Portfolio Group (NY)

In accordance with the fair credit Reporting act XXXX AccouRt # 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 canne furnish a account without my written instructions.

9384 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit As late for and purpose
Consumer complaint received 2022-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

The scam sent me a text message on XX/XX/XXXX around XXXX XXXX  XXXX saying that I had an illegal package with XXXX that was alerted by the XXXX custom. And saying that I am wanted and will be arrested by the international police because my passport is used as an illegal bank account to conduct money laundering crime and now is under investigation and I can not tell anyone or they will involve in this crime and have to go to XXXX for investigation as well. They tell me to transfer {$150000.00} USD in total to XXXX 's court account for an investigation as a deposit to avoid being arrested through the XXXX XXXX immediately. So I believe in their words and thought sending the money can keep me safe and give the police time to conduct an investigation to prove that I am innocent. I borrowed money from my parents for {$55000.00} USD and my friend for {$21000.00} with my own money {$8000.00} USD in Chase Bank Account and {$8000.00} USD from XXXX XXXX  ATM summing up a total of {$92000.00} USD sending all the money through Chase bank on my savings account to three different bank accounts in XXXX XXXX with three different account name on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX separately. Chase bank tell me to send a secure message through their website and asked the wire research team at Chase bank to help me recall the transactions but never heard back from them.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

How is this even legal? I received an offer from CapitalOne for 30.49 % interest. 

I want to know why the government is not protecting us against predatory credit card offers from United States banks. 

I will be asking the same thing of my congress people. 
Thank you.
Consumer complaint received 2022-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TX)

Robinhood markets Inc has frozen my account with them as a result of an account restriction that they will provide no details about how to get lifted. This has been ongoing for over 3 weeks and they will not allow me to withdraw my balance held in my account to an external account while this is ongoing. However they are debiting my balance for a premium account and services with their company which they are also restricting me from using. So they have limited my ability to access my own money and while they hold my money hostage theyre paying themselves from it for services they wont allow me to use. 


I logged in 3 weeks ago and was prompted to submit my social security card, my govt issued ID, as well as Bank statements in their entirety. I submitted all of the requested information within a matter of 1-2 days. However, my account remains restricted and despite continuous outreach on my behalf the only responses Ive received from them are XXXX  customer service emails from robots that contain no real information and provide XXXX help getting my issue resolved. I have been requesting calls daily and they will not provide me access to the account review team who is supposedly reviewing my account to validate something, but cant tell me what it is or why. It is on its face ludicrous that it should take any company 3 weeks to validate any piece of customer info, much less a firm that is publicly traded and has thousands of employees. I want my money.
Consumer complaint received 2022-05-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

1. The status is incorrect for the following account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation.

2. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.

3. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

4. The following account is not mine XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

5. The following account is not mine XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

6. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

7. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

8. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

9. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
10. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
11. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
12. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
13. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

14. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
15. The following accounts were closed by me and should state that XXXX XXXX XXXX XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Im efforts to make additional income, I applied for a position and was contacted for an interview. The process seemed legitimate and since it was a remote contract work the company sent a check for covering equipment. This check was deposited into Wells Fargo account. The company for employment proceeded to say they set up a vendor for equipment since it will be loaded with company software and that I would need to send funds to the vendor. This did seem sketchy but as a fail safe I decided to contact Wells Fargo and confirm that the funds were legitimate and that money is mine. At this point, if the funds are truly mine what would I have to lose. After sending a few days of confirming with Wells Fargo and the funds were cleared i had to send money via wire transfer which failed, still contacted Wells Fargo through the process. The vendor requested XXXX, so this was sent. Then after sending funds, the check was no longer in my account and I was negative. From there it was obvious i was a victim of a scam. It was frustrating as I consulted Wells Fargo the whole process but once the investigation was set to commence, they closed the case within 24 hours and essentially said it was my problem, how could I have not known and it was my fault for Willingly sending a XXXX. I called to have the XXXX reversed but they didnt process it in time and now Im negative {$3600.00} even though I would not have sent it if the funds truly werent cleared.
Consumer complaint received 2022-05-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MIDFIRST BANK (AZ)

I bank with midfirst. I cashed my check in store with a teller then went to atm in store added extra cash to make even XXXX and deposited that cash into my account. Cash deposit should be available immediately. But it wasn't. Not even a dollar. I don't know a single bank or anywhere that doesn't honor cash instantly. Even the policy says available instantly unless ... in which case 24 hours funds will be available. This is already a major issue but what can I do. I wait 24 hours and check to see that no none of the money is available. And my direct deposit made on the XXXX was held supposedly till XXXX on the XXXX but yet still at XXXX in the afternoon 24 hours later none of my money available. So I went to the branch and said what the XXXX oh sorry if its after XXXX it will take 2 days. Well it wasn't after hours it was XXXX XXXX and its now XXXX so 27 hours after I gave them XXXX cash. And no money is available to me. I sat with customer service on the phone who then waisted my time by placing me on hold 2 times when obviously they knew from the beginning they weren't gon na do anything about it. They ended up telling me the funds will be available at midnight. So another 5 hours. We will see. Not looking too promising since so far they have broke 2 of the companies policies. And so I just want to close my account and they can't do that because there still busy stealing my money. To me I view this as the bank has robbed me stolen from me. They deserve to be punished accordingly. And I want compensation. They hold back charges and clear them in order that makes you go negative and then charge overdraft fees and then they want to steal cash from me. They owe me for my time hassle embarrassment and hunger. I want ever monthly service fee and overdraft anything I've ever given them back plus I want my XXXX credited to my account like uhh 27 hours ago.. they seriously waited 3 days before then put 7 atm service fees all tacked on at 1 time 3 days later. So my account went negative. Hello, thats old news XXXX was sued over that XXXX long ago and now midfirst who use to not even charge atm fees is now pulling that shady XXXX. Amd now they won't give me my money. No I don't think so.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX Account No. : Ending in XXXX XXXX XXXX XXXX XXXX. Account No. : XXXX
Consumer complaint received 2022-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: KAHRS LAW OFFICES, PA (TN)

Didnt receive any documentation that debt was sold from XXXX XXXX to Kahrs Law office. Kahrs law office has rejected all of my attempted contact to pay my debt of $ XXXXIN FULL. Kahrs law has a 1 star rating along with many other complaints about falsely garnishing checks and never giving other debtors a chance to pay their debts because they do NOT return contact. The only option to pay debt is to leave a voicemail with an automated system with my banking information. I will absolutely NOT do so.
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information was compromised via XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 I noticed my XXXX account was tampered and I attempted to have the fraudulent transactions stopped which continues and reflecting on XXXX, transunion, XXXX as closed derogatory with XXXX. The inactive XXXXXXXX XXXX was used to fund all the fraudulent charges processed through XXXX which placed the bank in negative balance and in XXXX XXXX. The 3 consumer reporting agencies did not notify me this account reporting and failed to establish validity. all fraudulent transactions linked to the XXXX XXXX XXXX XXXX  XXXX now showing on all my consumer reporting agencies profile. I saw fraudulent name and addresses listed also on my profile. 
This has damaged my credit and causing emotional stress, financial strain and prevents me from refinancing my home. I was never notified of the fraudulent transactions by XXXX XXXX XXXX. I attached my identification of evidence of assurance and ssn card for the case
Consumer complaint received 2022-05-22
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. (CA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXE XXXX Sent letter and called telephonically to have this information removed and no action has been taken.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (GA)

I closed my account with XXXX and was told I owed them {$100.00} and advised them to send me documentation in the mail and I will pay them. XX/XX/2022 I received a letter from XXXX to call them to discussed the payment ( XXXX and XXXX ) both number was disconnected. I wrote them a reply letter to there address - XXXX XXXX XXXX XXXX XXXX PA. They sent me a letter requesting {$290.00} and THREATEN me that they will forward to COLLECTIONS if I don't pay or reply back with them. On XX/XX/XXXX I did reply back with them. On XX/XX/2022 they sent me another XXXX letter requesting {$310.00}
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Sent letter and called telephonically to have this information removed and no action has been taken.
Consumer complaint received 2022-05-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

I am on XXXX XXXX military leave and i had to go to Mississippi for 9 months. My mortgage has been on autopay with XXXX XXXX. Apparently my loan was sold to Carrington mortgage and they have not been fun to deal with. I have been paying them 2 times per month for the full monthly mortgage payment. Yet somehow they just reported my monthly payment over 30 days past due to the major credit bureaus. I am not sure why when my loan was transferred to them that they did not keep my automatic payment. I have never had any issues paying my mortgage and i have perfect credit. I am extremely unhappy with Carrington so far. I also looke up online and read that when your mortgage is sold legally the new servicer can not report any late payments for over 60 days to ensure the payment is properly applied. They have violated my consumer rights.