davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I created my Paypal account on XX/XX/2020, to sell two items I had, on XXXX. My first item sold on the same day XX/XX/2020, I received the payment from the buyer to my Paypal account and I shipped the item the next day via USPS, the buyer received the item and was very pleased with his purchase! The second item sold on XX/XX/2020, and the funds were immediately transferred to my Paypal account, and I shipped the item to the buy the following morning through XXXX and updated the buyer with the shipping status and the tracking number. I understand XXXX and Paypal each have a money hold policy of approximately 30 days. 
I received an email from Paypal Tuesday XX/XX/2020, saying that I can no longer do business with PayPal along with a reference number, and a brief ( and insufficient ) explanation " After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using Paypal ''. 
I reached out to Paypal customer service via phone this morning XX/XX/2020, to be told by the agent that Paypal was indeed going to be holding on to my funds for at least 180 days. I asked her why, and she couldn't or wouldn't give me any details ; only saying that their security team identified my account as a potential risk. The agent would not allow me to speak with a Supervisor.
Consumer complaint received 2022-05-13
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. (OH)

The first 4 accounts do not belong to me, I have tried reaching out to credit reporting agencies to get this accounts off my credit report and nothing has happened, also XXXX was for my XXXX and I had perfect paymnt history and I traded it in for what I have now, I was never late on my XXXX and that reflects late on my credit report. I also seen many credit inquires an which I did not apply for credit with these companies. 

1 ) COLLECTION # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$150.00} 2 ) XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$720.00} Closed 3 ) XXXX XXXX XXXX  Account XXXX XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$0.00} 4 ) XXXX # XXXX Individual Old Car Loan I traded in, but was never late this was my XXXX XXXX  # XXXX ( XXXX ) XXXX Individual Inquirers XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX RESIDENT VERIFY Tenant
Consumer complaint received 2021-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

I have applied for a saving account with Citibank to get XXXX $ bonus. I added XXXX $ once approved. And they told you had to add the fund within a month after applying but it wasnt even approved.
Consumer complaint received 2016-01-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I was admitted to XXXX XXXX XXXX XXXX back in XXXX XXXX. A few months went by and I received a letter from CMRE Financial Services, which is a debt collector. Turns out that the Emergency Room put me down as having XXXX XXXX insurance rather than the insurance I had which was XXXX XXXX XXXX XXXX. The Hospital portion was paid through my insurance however, the physicians bill has not been paid yet. I have been dealing with the collections agent since XXXX or XXXX XXXX and the status has still been the same : " we are billing your insurance ''. I have XXXX inquiries on my credit until this issue arose and I am trying to work with the collection agency to try and resolve this problem however no one is willing to help. I dont understand why it is in the same status and every time I call they tell me the same thing " we are working on it and we are billing your insurance ''. I tried calling the hospitals billing department and they said they could n't help because it is not with the collections agency. I tried calling my insurance and they cant do anything until the collections agency sends them a bill. I am very frustrated at this situation and I am reaching out for help.
Consumer complaint received 2022-08-17
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: Open Dealer Exchange, LLC (GA)

From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2022-05-13
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. I did not authorize the credit inquiry. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
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. (GA)

Hello my name is XXXX XXXX and I am writing to delete the following information in my file. I am currently in the process of trying to buy a house, but these items are hindering the process. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-13
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)

Hello my name is XXXX XXXX and I am writing to delete the following information in my file. I am currently in the process of trying to buy a house, but these items are hindering the process. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cedars Business Services, LLC (NJ)

A company called Cedars Biz Services is pretending to be an Italian Government agency to collect a parking ticket which was paid. Now, they are claiming it's {$400.00} to pay. 

There are no outstanding debts in collections at this time for me per my credit reports. 

They call repeatedly and constantly send USPS mail. I'm not sure how they even got my information.
Consumer complaint received 2019-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are inquires on my report that were not authorized. I have been victim to their inquiry issue. I have contacted the credit bureau and the customer service agent i worked with was not helpful. Below is the list of the inquires : XXXX XXXX XXXX Inquired on XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX
Consumer complaint received 2021-11-08
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. (TX)

I have written, called, and submitted evidence to ALL 3 credit bureaus stating the charge off accounts and inquiries listed on my credit report and of fraud. They have not removed these items even after verbally agreeing to remove them. They are consistently lying to me and I am fed up. I have been a victim of TRUE NAME IDENTITY THEFT AND THIS IS A NIGHTMARE! PLEASE HELP.
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I was charged with a debt that was covered by XXXX XXXX XXXX, XXXX I sent all the information to the Collection Agency and made the claim here in the CFPB, I received all your help and the debt was removed from my credit report, after some months they apparently sold the debt to a Law Firm and now they are reporting the debt again, I sent to the law firm all the info so they can make the research and be paid by XXXX XXXX, they didn't answer to me, they didn't call, or send a letter and they put the account in collection again.I had a good credit score, I take care of my credit because I have financial goals to improve my family life and this people just put an account on collection without making the research and do their work properly affecting my family, without any respect, of course they don't care about the consequences for me and my family since is not theirs
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One Spark card .... The company, Capital One, sends out literature that claims there is no " preset '' spending limit on this card. I own a group of newspapers in and have a printing bill I pay every month that runs between {$4000.00} and {$5500.00}. I applied for ( and received ) this card with the sole purpose of using it to pay this bill to take advantage of the card 's cash back benefits. 
When I use the card with my printing vendor -- the first attempted transaction on my card -- the card was declined, embarrassing me with the vendor, as well as making it not possible to use the card as I intended and was led to believe I could by Capital one. 
When I query this with Capital One, I'm told that " preset '' does no mean unlimited purchasing power and that in the fine print of their promotional material, it explains that the card will adjust with your spending habits. 
What the hell does that mean? How do I establish my spending habit when the card is declined? 
Capital One needs to be told to cease and desist with this promotion as it is being presented because it is blatant BAIT AND SWITCH to use the language " no predetermined '' spending limits, when in fact there are spending limitationsd based on the consumers " purchasing habits ''.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was approved for unemployment back in XXXX with a claim start date of XX/XX/XXXX. And up until XXXX everything was fine. Then my card was frozen I contacted XXXX to find out I needed to verify my idendity. On XX/XX/XXXX over the phone rep uploaded the link to my profile and I submitted my California I'd and birth certificate. They told me initially that on XXXX everything would be cleared once identity was verified. XXXX I was told it would be 4-6 weeks. On XX/XX/XXXX I spoke to a lady who did idk what with my uploaded documents and had me re upload them asking for review of my case. On XX/XX/XXXX the documents I submitted on XX/XX/XXXX were denied and I was told to wait 4'6 more weeks. Then I was told that I had been disqualified and I had to appeal by this point I had managed to get verified through idme and still I couldnt get verified though XXXX even though that's how new claims are verified? I mailed copies of the same documents I uploaded and were rejected by XXXX to the I'd verification address in XXXX XXXX and XXXX appeal. On XXXX appeal was recieved by XXXX but the appeals office told me they still haven't received the file. I asked them if I could just make an appointment with the judge so they could verify my identity and was told I have to wait 4-6 more weeks. On XX/XX/XXXX my appeal was overturned and XXXX switched me over to checks but the balance on my debit card is still frozen by bank of america who claims they can not touch it and just refers me back to edd but bank of america has sent me 2 confirmation emails stating my account had been updated I dont know what else to do
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (GA)

I originally opened an account with XXXX, a XXXX credit card. Charges made on the card was not all my charges and XXXX was aware of that. The account charged off and let XXXX collection team the account had a {$0.00} balance and the account was sold to another creditor. If this account was charged off and sold this account shouldnt be reporting on my credit report at all and if its going to report it should show completely charged off with a {$0.00} balance.
Consumer complaint received 2020-12-21
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-21
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (WA)

My wife lives in XXXX. From time to time we send each other money. We have been married for 18 years. She has been to the United States 9 times and I have been to XXXX 10 times. Yesterday XX/XX/2019 my wife sent me {$500.00} through Western Union. I have never had any problems before even when the amount was over {$3000.00}. Now Western Union is demanding that you give them your Social Security for anything over {$500.00}. They say they want two forms of Identification. Yet, they will not accept anything other than a driver 's license/State ID and a Social Security Card. I had my Driver 's License and my United States Passport, BUT! my passport was not good enough. Passport and Driver 's License both have my picture on them, Social Security Card does not. Forcing someone to use their Social Security Number only opens up the person to Identity Theft. A person I work with have been getting calls from someone saying they are with the CIA. this person have information about a person he was sending money to and all of his personal information that he could have only gotten from Western Union or XXXX XXXX. This CIA person is demanding {$450.00} to clear his name. Seniors and disabled people are being victimized by Western Union and XXXX XXXX by using their Social Security number to do business. As for the CIA and all government agencies, none of them ever call demanding payment. This is a problem the need action to stop crimes against the elderly and the disabled.
Consumer complaint received 2022-12-14
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Consumer complaint received 2019-06-28
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. (FL)

XXXX, XXXX AND TRANSUNION HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT. 

THE FOLLOWING INFORMATION IS INCORRECT PLEASE DELETE : XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEX XXXX XXXX XXXX   XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE
Consumer complaint received 2019-06-28
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. (GA)

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,