davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Paypal account on XXXX XX/XX/XXXX was locked for 180 days due to Acceptable Use Terms of Violation. I contacted Paypal customer service and stated can you please tell me what transactions were in violation of the agreement? I said I am reading over the agreement and I do not see any transactions. Paypal stated no we can't tell you what transactions. I said so you are telling me I am in violation and your company can't elaborate? I said can you get me in touch with a representative that can assist me. She said no you can withdraw your funds in 180 days. I said ok I will wait. Fast forward to XXXX XX/XX/XXXX I checked my Paypal account and they took XXXX of my money. They transferred the my whole balance back to themselves. I called Paypal support and she stated XXXX in damages. I said what damages can you show me some documentation. She stated no. I said can a supervisor please call me back. I believe this is poor customer service and basically theft.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Experian, Continues to inaccurately report on my credit. Sometimes three to four times monthly. And my bank reports once a month. My score would go up and down at least a few times a month. Im thinking its XXXX profiling on behalf 9f this company. Been having issues with them for years now.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

The FTC reached an agreement with XXXX on financial penalties for violation of a court order. 

I received a letter from PayPall advising me of the agreement and asking me to claim using a PayPal account. I do not have one. I attempted to set one up and ran into multiple problems. Ex. It would not work with a major US bank, a major XXXX bank, and a minor XXXX bank. It wanted me to give PayPal unlimited access to my accounts with the right to withdraw funds. I would never give anyone that right. I deleted the banking information as it would not allow me to set up the links. 

When calling PayPal, I found out that they kept my bank details despite my deletion of the accounts that I tried to link. 

This is a serious fraudulent practice on their part. 

Additionally, they lied numerous times about my options and said I could only access my funds by setting up a PayPal account. 

I also found out that they now charge a fee for inactive accounts. So they are forcing people to get an account and to give access to their bank accounts and then start charging when you dont use their services regularly. 

I am shocked that the US FTC would use a company like PayPal. I spent hours on the phone with PayPal trying to resolve with zero success.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. 

YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate?
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (FL)

Frontline Asset Strategies has been attempting to collect {$960.00} from me, issued by XXXX XXXX XXXX since XX/XX/XXXX. I have spoken to XXXX  numerous times, who have confirmed I have never owed them this money, as I currently have an account open and in good standing with them. They suggested I dispute the account, which I have multiple times. 

I have also called Frontline Asset Strategies, and was entirely dismissed, as they would not even speak about the debt and only wanted to collect, and I am still receiving numerous and non-stop calls from them daily attempting to collect debt that I do not owe. 

I have also disputed this debt 3 times through XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and it comes back as accurate. XXXX will also not help me and only suggests to continue disputing the debt. 

I feel powerless in this situation, as none of the companies involved are willing to communicate with each other to resolve this issue on my behalf. This is predatory behavior and needs to stop.
Consumer complaint received 2021-12-13
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)

RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), Equifax, XXXX and XXXX are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.
Consumer complaint received 2021-12-13
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: REGIONS FINANCIAL CORPORATION (CA)

Regions Bank has a duplicate account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has 3 late payments on a secured credit card and one has 4 late payments on another. Now according to 1666b. 
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX XXXX, 123 Stat. 2998. )
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

In XXXX of XXXX I received an overdrawn statement from my bank. I acknowledged that my account was overdrawn by {$29.00} for LIFE insurance. There's one other charge for XXXX XXXX at {$150.00}. At the bottom of the letter stating the account was overdrawn it states " If the account isn't brought to a positive balance within 45 days the account is subject to closure and reporting to XXXX. '' This statement was dated XX/XX/2021 for the LIFE insurance. 

I was told by the representative when I reached out on the XXXX to pay, I explained the hardship I was experiencing with COVID and losing my job. I said I wanted to bring the account current. She informed me the account was closed as of XX/XX/2021. 

As you can see, that IS NOT 45 days. This was the only contact I had with Golden 1 was through email and the phone call. I asked the representative " How can I take care of the bill while my account was closed. '' she replied " I don't know. There's nothing you can do. '' Later, I find that the company sent my bill to collections. I was calling that day to take care of the bill. I never got a run down of how my bill turned into over {$300.00}. I wanted more information on the fees I was to pay and never got a response. I am not disputing that the account was overdrawn. I AM DISPUTING THE 45 DAYS the company says they will give to bring the account into positive standing AND THE REPRESENTATIVE NOT GIVING ADEQUATE AND ACCURATE INFORMATION ON HOW TO PROPERLY RESOLVE OUTSTANDING BALANCES AFTER ACCOUNT CLOSURE. The account was not 45 days out and I have no other proof of Golden 1 attempting to reach me. 

I emailed the billing department and explained my hardship. I had been with this union for years, while I was waiting on a response from them ( Which they never responded to! ) they sent my account to collections without ever replying to me explaining what the next steps were or procedures after account closure. They never explained what the fees were on how the amount got up and over {$300.00}.
Consumer complaint received 2021-08-25
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. (IL)

my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (NY)

On XXXX lady called and was talking about a workshop and needed to pay a fee. 
Come to find out it was scam. I reported the case to Law enforcement as the EDI of California was being used. 

XXXX app phone is XXXX XXXX XXXX XXXX XXXX phone and fax is telephone is XXXX XXXX XXXX XXXX 3 cards were used with XXXX app who have a high security with XXXX  and banking a deposit to verify the identity. The refund was approved XXXX and XX/XX/XXXX but Vanilla Gift card - inccom is holding on it. 

This message was sent to the following 5 people : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. Replying to this email will notify them.Hello XXXX, Thanks for following up.Please note that when we concluded the investigation, we found out that you were eligible for a refund for each reported card. However after numerous attempts, each try gave us an error message. This meant that the card had issues which we can not control.Your case was closed as we didn't hear from you after a while we also can not keep a case open for too long. So since the case is closed, your only recourse is to dispute these unauthorized charges with Visa. Once these disputes are filed, these will enter our system and you will get your money back.Please let us know if anything is unclear.Kind Regards, XXXX & XXXX This message was sent to the following 6 people : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, Dispute Form Entry. Replying to this email will notify them.Hello XXXX, Thanks for coming back! There will be no action required from you since the dispute has already been filed with Visa. So what will happen is that Visa will give you the money back, you just have to wait for their advice that the money is on its way to you.Any information request or questions you have should be directed to Visa because you filed the dispute with them.Kind Regards, XXXX and XXXX Dispute Form received by Vanilla cardXXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, me, giftdisputes Hello, I received your dispute forms. Please send the full 16 digit card number of each card you are disputing.Or, you may send a photo of the front and back of each cardXXXX XXXXDispute Coordinator IDISPUTE RESOLUTION TEAM
Consumer complaint received 2021-04-17
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. (OH)

Reviewed my credit report and seen there were accounts that does not belong to me. This is an act of fraud and the accounts on my report need to be deleted/ removed immediately. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - THE XXXX XXXX # XXXX - XXXX  XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (FL)

I recently review my credit reports & noticed some medical collection that I do not recognize. Ive never received any notice of any past due bills from the hospital, I also did not receive anything from any collection company. I have sent several debt validation letters to Credit Control Corp with no response.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was reviewing my credit report and I noticed an several medical accounts from XXXX  XXXX XXXX XXXX This information is inaccurate. All accounts were paid.
Consumer complaint received 2021-12-12
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)

Per my credit reports, The account XXXX XXXX XXXX, has been opened since XX/XX/XXXX until XX/XX/XXXX. First red flag, is there isnt even an inquiry on my report for an auto loan. Secondly, there is NO payment history dating back to the initial opening date. But what is most imperative is the fact that I was XXXX prior, during and after this accounts closure. I was XXXX  in court on XX/XX/XXXX and was released into an XXXX XXXX program on XX/XX/XXXX and Ive attached the court documents again. And ever since Ive seen this on my credit report I have been trying to dispute it. Ive sent in multiple disputes to all three credit bureaus and which XXXX has since removed it. But transunion has refused to delete this item even after Ive provided cemented evidence that there is no way that I was physically or even electronically able to open this account. Nor did I give anyone permission to open this account. This account was opened fraudulently and needs to be removed from my credit report.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a purchase on ebay via XXXX on my Capital One XXXX card on XX/XX/2018 for {$7.00}. When I check my account on XX/XX/2018, I noticed there was a cash advance fee {$10.00} posted on my account on XX/XX/2018. I called Capital One and asked them why I was being charged the cash advance fee on XX/XX/2018. The customer service representative told me that I sent a wire to a seller on XXXX  via my capital one card, that's why I was being charged the fee. I asked the CSR if they could do a one time waiver fee since I always pay my credit card on time & and I wasn't aware of it. The CSR at capital one told me that she couldn't and that I should read my card member agreement. It has been five days and this issue hasn't been resolved and I'm upset about it.
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NC)

On XX/XX/XXXX, I received an offer in the mail for the Milestone credit card. The literature did not mention that there was an annual fee of {$170.00} and that this fee would be deducted from the credit limit. 

I was approved with a {$700.00} credit limit minus {$170.00}. I was not aware of this fee until XX/XX/XXXX when I tried using the card at a store and the transaction was declined. As of XX/XX/XXXX, I have a balance of {$660.00} and a transaction for {$32.00} would not process for some odd reason.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

I lost my former job at XXXX due XXXX XXXX XXXX XXXX XXXX, and after also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sent to unemployment by HR. HR then lied to the state, saying I picked this, and my unemployment funds, ie. any income help during a global crisis to which I was suffering from at the time, were withheld for approximately 4 months. I spent this time on the phone, making calls to get into relief programs, etc., anything I could to save my credit score and not lose my good standing there too, as is all I have left after working very hard for years to get it to the mid XXXX. XXXX XXXX was the ONLY company that did not have any options, but wasted approximately XXXX weeks of my time, begging them with my situation for help. I was sent to one tier after another, then management, only to be brought back to the beginning of this call loop, making me now miss a payment when I was on hold in this circle of nonsense, with no solution other than a confirmed smear on my credit report. It will be included in the damages of my current lawsuit against XXXX multiple violations, and the ongoing domino effect it has had in my life. This is now negatively impacting my living situation, preventing me from getting my own apartment now that I finally have a new job. I have tried to dispute it through XXXX, however, only received a XXXX check from them months later for their 'failure to serve me properly during the pandemic, global crisis ongoing. ' Their dispute was settled in a matter of a week, and did not remove it from any of my reports, as they just confirmed they failed but put it on my shoulders. This nonsense is now on all XXXX reports and is the only negative thing listed there, messing with my life further. Their lack of assistance during a global crisis to which I suffered from yet still made it my full time job to call all billings I had to make sure I did not suffer further was to no avail with this heartless company, XXXX XXXX. I am working hard to eliminate any standing with them and close the account, but for now, need to continue my fight against their false report. I made every effort to remain in good standing and got help from all else but this company. They have taken action against me in filing these alleged missed payments ; I literally ran out of all my savings and had to ask family and friends to help me survive. Likewise beg billing services for understanding, adding more humiliation to a difficult situation. I should not be made liable for this, as is a false smear against me when this company simply did not act to assist anyone on a human level during a time of ongoing suffering in this world. give me my life back please and get rid of these XXXX missed payments ' I never missed. I literally lost everything, and XXXX seemed to go out of their way repeatedly to ensure I continued to suffer even more, and continue to.