davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

XX/XX/XXXX paypal.com limited my account accusing us of taking cash advances on credit cards. I called and explained we transfer cash to cash debit cards and have never taken a cash advance. Result : limitation was lifted XX/XX/XXXX paypal.com limited my account again stating they needed more detailed information on my selling practices, verification of my billing address, supplier information/invoices and proof of shipping product to a handful of clients they listed. I provided this information. 

XX/XX/XXXX paypal.com contacted me to review my business practices. The agent was confused how we could sell at a lower price than our invoices indicated. I informed the agent that we purchase gift cards at a discount and fill orders. It's a simple business model, legal, above board. Agent put me on hold for over 15 minutes and I had to drop due to another call. 

XX/XX/XXXX paypal.com sent me an email stating my account was permanently closed and my {$6800.00} balance would be held for 180 days. 

I've been selling online for years using paypal. I've very rarely experienced any issues, just periodic returns like any retailer. I've never had a chargeback. I run a legitimate business and paypal is targeting/harassing me. 

I called paypal.com back this XX/XX/XXXX and was told that if I changed my business practices ( not buying gift cards and adding prepaid debit cards to paypal ) that I might be reinstated. They have yet to reinstate anything. 

I kindly ask for any help you can provide.
Consumer complaint received 2019-10-03
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. (FL)

XXXX XXXX XXXX XXXX replied back to an cfpd complaint and sent me a letter stating all 3 credit bureau reports has been updated to payment status current never later. However, transunion report still shows 30-60 days late and has not been updated properly
Consumer complaint received 2022-03-30
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. (LA)

According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX XXXX XXXX do I have 24 inquiries on my report?!?
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I have been attempting to work with The Home Depot/Citi Bank N.A. since 2018 to remove fraudulent charges in the amount of {$2100.00} that were made in XX/XX/2018 on my Home Depot consumer credit card. 

When I first reported the fraudulent charges in 2018, the charges were immediately removed from my account. Because the fraudulent charges were removed, I did not think it would be necessary for me to take any further action. The charges reappeared on my account sometime later. 

Since then, I have completed and returned their Declaration of Unauthorized Use form along with a police report to Citibank , N.A . On several occasions, I have spoken with the fraud department and various Investigators in attempts to have the fraudulent charges removed from my account. 

To date, The Home Depot/Citi Bank N.A. has not removed the fraudulent charges from my account. I have been making monthly payments on my account to avoid negative credit reporting effects. At this point The Home Depot/Citi Bank N.A. owes me for the payments I have made on the fraudulent charges.

Why did The Home Depot/Citi Bank N.A. not perform their due diligence in the first place in order to protect my account from unauthorized use? I am requesting that the fraudulent charges be removed from my account immediately and that I be reimbursed for the payments I have made on the fraudulent charges.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX, FL. XXXX XXXX XX/XX/2022 XXXX XXXX I am complaining against BJs Credit Card Company Master Card XXXX Membership. 
Since over 1 year ago I joint and pay for the XXXX membership with the Master Card Company because according to them with this membership and credit card you will be received 5 % back as money rewards every time you buy product on BJs store, and they do not do this. 
After multiple phone calls that they never respond ; I am taking the step to report this company for Fraud, and false advertisement to customers. 
BJs Master Card XXXX membership. 
XXXX XXXX XXXX XXXX TX, XXXXPlease contact me at the above address or by phone at ( home and/or office numbers with area code ). 
Sincerely, XXXX XXXX. 
VERY UPSET CUSTOMER.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

Claim Number:XXXX File Date:XXXX Claim Type : Trip Cancellation/Interruption Claim Status : PEND Claim Details : Incident Information : Date of Cancellation/Interruption : XX/XX/2019 Country : USA State : NY Brief Description : My daughter XXXX XXXX was diagnosed with XXXX XXXX XXXX and was not able to go on the trip. The following charges should be reimbursed for her : Non refundable airline ticket from XXXX : {$510.00} Lodging : {$48.00} Tours : {$20.00} Total : {$580.00} Trip Details : Departure Date : XX/XX/2019 Return Date : XX/XX/2019 Claim Filed Against Carrier : Y Reimbursement From Carrier : Name of the Carrier : XXXX XXXX Amount From Carrier : {$510.00} USD
Consumer complaint received 2018-09-01
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: Experian Information Solutions Inc. (IL)

I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using XXXX XXXX XXXX, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.
Consumer complaint received 2019-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on the file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that have been disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2019-09-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NJ)

XX/XX/2019, I was contacted by Freedom Mortgage, our current mortgage company. XXXX XXXX, loan officer, offered a refinance opportunity to drop our current rate by half a point, which would get us to 3.5 %. He let me know the benefits of refinancing with freedom mortgage and we agreed. 
My wife and I have signed several e-documents and we also submitted all requested documentation in a timely manner. 
In the middle of XX/XX/2019 I received a call from Freedom Mortgage collections asking us to pay for month of XX/XX/XXXX. I kindly let them know that we would be signing our new mortgage loan in that month. According to XXXX XXXX we would be have XXXX dollars when the signing was complete. 
Soon after I called XXXX, to find out what was taking so long. He let me know that we had to pay our sewage bill to our township. I immediately paid that bill, scanned and forwarded the receipt to XXXX. 
My wife also had a follow up call with XXXX and he let her know that all documentation was submitted and we were set to close. 
Unfortunately, XXXX XXXX, stated that we did not submit our proof of occupancy. I contacted my wife to verify and I found that she did submit all documents requested. 
We had a conference call with both XXXX XXXX and XXXX. XXXX stated he submitted all documents to XXXX, however XXXX stated that she never received them and failed to contact us so we could work the open issues. 
I have contacted both XXXX and XXXX supervisor and they have not contacted me yet. The billing cycle for XXXX will be over on the XX/XX/XXXX and will miss that payment. 

XXXX Manager XXXX XXXX XXXX XXXX Manager XXXX XXXX XXXX
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Management Solutions, LLC (MD)

This complaint is in regards to FMS Financial Solutions. They contacted me as a result of a former apartment sending an illegitimate debt directly to them without contacting me first because of " insufficient notice given ''. I did not receive any communication from the company about renewing the lease so I moved out the day my lease ended. In response to FMS 's first letter XXXX XX/XX/2019, received XX/XX/2019 ), I sent a certified letter telling them that I was disputing the debt as not valid and told them not to contact me further. They responded with a letter acknowledging my request that stated " this is not an attempt to collect '' but still stated the debt that was owed. I received another letter from them on XX/XX/2019 stating that it was an attempt to collect the debt with no acknowledgement of my previous written request or my dispute of the debt.
Consumer complaint received 2022-03-31
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. (OH)

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED XXXX BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX  XXXX XXXX  do I have 24 inquiries on my report?!?
Consumer complaint received 2019-10-03
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. (TN)

Transunion is reporting incorrectly a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a collection/charge-off is harming my credit score. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have a bankruptcy reporting on my credit reports along with several accounts that are related to that bankruptcy. I have made many attempts to get these errors corrected. I have also made many trips to the courthouses in my area in an attempt to locate the bankruptcy that is on my credit report. My search has not resulted in any public records that are in my name with my social security. My hopes is that Consumer Finance can aid me in initiating a thorough investigation by the credit bureaus and the removal of the bankruptcy. I have attached the bankruptcy, inquiries and related accounts to the public record.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a bankruptcy reporting on my credit reports along with several accounts that are related to that bankruptcy. I have made many attempts to get these errors corrected. I have also made many trips to the courthouses in my area in an attempt to locate the bankruptcy that is on my credit report. My search has not resulted in any public records that are in my name with my social security. My hopes is that XXXX XXXX can aid me in initiating a thorough investigation by the credit bureaus and the removal of the bankruptcy. I have attached the bankruptcy, inquiries and related accounts to the public record.
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I applied for a credit card at CHASE and a hard inquiry was performed on XX/XX/2018. They wanted some more information and sent me a letter in the mail to an address different from the one I was living at. By the time I got home weeks later, the deadline to submit the information asked in the letter had passed. The hard inquiry is still on my record.
Consumer complaint received 2019-04-02
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: CITIBANK, N.A. (CA)

I was recently a victim of credit card fraud and identity theft. Someone had opened a Citi Bank card in my name so I contacted Citi Bank and they refused to do anything about it. I then contacted the three credit reporting companies. XXXX refuses to take a Citi Bank card off my report that was opened fraudulently. Both XXXX and XXXX have removed this account from my report. I have submitted a FTC and police report numerous times without success with XXXX. XXXX now shows the account as closed on my report and it is hurting my credit score.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have a bankruptcy reporting on my credit reports along with several accounts that are related to that bankruptcy. I have made many attempts to get these errors corrected. I have also made many trips to the courthouses in my area in an attempt to locate the bankruptcy that is on my credit report. My search has not resulted in any public records that are in my name with my social security. My hopes is that Consumer Finance can aid me in initiating a thorough investigation by the credit bureaus and the removal of the bankruptcy. I have attached the bankruptcy, inquiries and related accounts to the public record.
Consumer complaint received 2019-05-04
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. (CA)

two student loans are reporting under equifax credit reporting agency, these are inaccurate and fraud, i never had these account, i ever went to school here, i dont know who opened these loans under my name, i have been disputing these inaccuracies with equifax for more than a year and it is causing me trouble, please have these inaccuracies removed, i have been complaining for the longest time. this is not fair, please help as a consumer i need your help thank you
Consumer complaint received 2019-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blackhawk Network Holdings Inc. (FL)

I created a XXXX account. I added 17 valid XXXX  packs to the account totaling {$790.00}. They have now blocked my account and will not release my money to me. Stating I need to show proof of purchase of the packs. Once they loaded to the account showing valid the receipts were not kept. None of the packs have been reported. They were loading from the devices that I verified, by a cryptic link sent to the email address associated with my account. 
I have a valid XXXX XXXX account that accepts XXXX  XXXX  cards. I am being told I cant have my cash. I have sent a copy of my drivers licenses a Picture of me with my drivers license and a picture of my valid XXXX card and I am being refused my money.
Consumer complaint received 2019-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

This all started when the company Seterus took over the loan from XXXX. The time they took over its been nothing but XXXX what they put me through. First they took one of my payment and applied it to my escrow account when they should of applied to the loan payment. I had sent you CFPB information before on XX/XX/XXXX. XXXX is the reference number. They said they were going to fix the information and correct it. I had sent them this information on numerous times faxing all the papers showing them all my payments. Till this day I'm still getting harass about them not getting the payments they already receive even after sent them my copies of payments. The Seterus company now sold my loan to another named XXXX and now I'm going through this whole mess again because they are informing they I didn't make my payments because of Seterus and showing them that NOW they said they didn't make a XX/XX/XXXX payment of XX/XX/XXXX to which they have copies because I sent them numerous times because of their of their misapplying the previous payment earlier to which NOW I believe was a lie about them fixing it. I know i'd made my payments and I believe I shouldn't have to go though this all over again and costing me more money to send them information they already have. I really need help with this once and for all. If I need to hire some legal help please advise. Thank you. The person I'd talk from XXXX was XXXX XXXX who inform me about what is now going on with my loan with them now and Seterus and what they inform them about me. Like I said earlier it had all started with Seterus screwing up my payment and misapplying it from the get go from XX/XX/XXXX till now XX/XX/XXXX. If you need copies I will send them to you, NOT THEM ANY MORE. They already have them.
Consumer complaint received 2019-05-04
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. (CA)

one car loan name XXXX XXXX XXXX is reporting under my name in equifax XXXX XXXX XXXX, this is an account that is not mine, i have never had a XXXX, i have been disputing and no answer yet, they are not helpful and have not been helpful. 
please find attached my police report which i received just in case and i placed a fraud alert on my name, so i would be careful. 
please help me to have this inaccuracy removed from my credit file thank you
Consumer complaint received 2023-02-24
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. (MO)

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX