davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
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 (OH)

PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. 

After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in XXXX but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money or not I would have not made such a big case out of it because I did not have all that much money in my account. What is concerning is that I am certain that the way PayPal limited my account is not an exception. 
my email is XXXX XXXX
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

Account was transitionedXX/XX/XXXX to BBVA. I have been locked out of account without any means of contacting BBVA. I was on hold 8 hours then hung up on. This has been 4 days without access to my funds or critical account information. I can't buy food. Can't pay bills. Can't deposit checks. I am sunk and they have no solution.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted this to Transunion on several occasions and they seem to be overlooking my request. 

I feel 1XXXX  days once they have received this notice is more than enough time for hem to correct this information. Especially since this will not be their first time being presented this matter.
Consumer complaint received 2022-04-09
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: Conn's, Inc. (TX)

FRCA Violation personal loans CONN APPLIANCES INC FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (MS)

To whom this may Concern : I am writing this today to file a formal complaint against this company LVNV Funding INC and XXXX XXXX XXXX. This company has been sending information all over the country about a debt it has purchased that was the result of Id Theft that i was a victim of when i lived at a previous address. My ex boyfriend XXXX XXXX opened account 's in my name because i was suffering from health issues at the time and he was my primary care giver. He was even found guilty for Extortion because he was trying to defraud a man he was involved with of money because he gave the man XXXX. 

This company has hired another company to harrass me and threatened to sue me in court because i owe this bill and they know i owe the bill and that i was gon na pay. I called XXXX XXXX and told them about they sent information to my mothers house that lives like almost a hour away and she opened the letter and feared for my life because of the threats. This has been very devastating to my XXXX and my well being being accused of a crime and i didnt commit one. 

They are using third parties in the state of Mississippi to threaten me and send letters to different address that belong to my family members. This is breaking the law. The name of the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX this company threaten me and actually prosecuted me and i wasn't in court.
Consumer complaint received 2022-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (PA)

My Mortgage company escrows taxes to be paid. 
We have faxed and send the bill to them as per there instructions as soon as we receive it And they have not been paid. We have received a notification from the county that our house may go up for sheriffs sale. The tax bill was faxed to them on XX/XX/XXXX. The tax bill was mailed to them on XX/XX/XXXX. The sheriffs notice was received on XX/XX/XXXX. I called them and cant reach anyone to help us to find out why the bill is not being paid. My statement shows that the money for the taxes is in escrow. The same incident happened last year.
Consumer complaint received 2021-05-12
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. (IL)

I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on and accounts that say charge off which is inaccurate as well. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Consumer complaint received 2022-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

I'm afraid this is the 2nd time in 1 week this happens with BlockChain.

I had crypto in 2 accounts. Both in " reward '' wallets ( meaning : a wallet where you let the platform use your crypto ( which turned out to be a huge mistake from my end ) and in turn get some interest.

As I wanted to move from BlockChain to XXXX, the 1st step is move the crypto from those " Reward '' accounts back to ( non-custodial ) normal private accounts.

BlockChain is trying to prevent my leaving by keeping MY crypto HOSTAGE : for over a week now, they refused to migrate my crypto back from my reward wallet to my private wallet. We're taking over XXXX $ here so that is a large sum. The reason being obvious to me- either they have not enough fractional reserve or they are making up all kinds of excuses not do to so immediately to make some extra buck quickly. 
So I got questions like " where have you been the last 3 months '' - none of which is their business. I have no less than 3 security measures installed ( password, XXXX and face recognition ) so they have also no reason for insisting on such privacy breaching inquiries. 
They are excuses- and my insisting to finally give MY crypto back has lead to nothing but refusal from their end. 
I consider that theft. And demand compensation for it.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XXXX of XXXX  I reached out to the CFPB for help with my credit card company Capital One. I explained that I have excellent credit, and in nearly 4 years they have not increased my credit limit once. I explained that after a good faith letter they would not remove 1 missed payment over 2 years old. A point worth mentioning, the one and only missed payment, in 4 years of credit history, and 16 revolving credit accounts. They sent a letter in response that the reason for the increase refusal was due to lack of using the credit card. They shut down my Kohls credit card, ( their sister credit card ) that was well established, knowing full well that would damage my credit score, with no notice! Today I am reaching out again because I recently used the credit card. For relatively small purchases totaling not more than {$300.00} Capital One has now restricted my card, which I can not use. Capital One has embarrassed me, when out dining by declining my card! I spoke with a representative that made XXXX cents, and difficult to even understand. I have told the CFPB previously that Capital One is discriminating against me for some reason. They deny me a credit increase for years, they refuse to remove the missed payment, they give a bogus reason for the increse denial, they shut down another card with no notice, and then when I do use the card they humiliate me with a decline. I know that I am not alone in their unscrupulous cherry picking of their clients. Please do something about the treatment I am receiving. I know these are violations under the Fair Credit Opportunity Act, please act.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CO)

XX/XX/2022 I bought a netspend card at XXXX XXXX because I needed to pay a bill and the customer service desk was closed and i couldnt load my own card! I loaded {$500.00} on the card and when I tried to activate it they said the card could not be activated and there was no way to recover funds from it! They stole {$500.00} from me
Consumer complaint received 2019-04-08
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. (MI)

Experian has several accounts misreported on my file. When I initially asked to investigate they did sobut improperly. They have contined to keep false and inaccurate information on my file. This has cost me greatly negatively. I requested yet again they invetigate. I was told no because they already did so. There are addresses that are not mine and never should have been indicative as such. They have incorrect spellings of my name on file as alias. This is gravely inaccuarate. Most recently my credit file reports no freeze or hold. They a have denied once again. Yet, wqs just advised by a mortgage company they couldn't pull my file due to an Experian freeze. The backlash of the false data and misrepresentation never ends!
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (MD)

I am college student and been in college for 4 years. I will graduate from college in XXXX 2016. I have XXXX credit cards with synchrony bank. When I applied for the cards it was GE. I have been able to pay the cards up until last year. I tried several times to enroll in credit protection with synchrony bank and was denied. They did n't offer it to me when I applied and when they changed banks. I am currently unemployed due to illness. I have been unable to get any help from synchrony bank and they have sent me to collection. I really need help with this issue because this has hinder my credit.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (OH)

My problem is with Equifax not providing me with my credit report. I have filed a dispute with them and they in return provided me with a dispute confirmation number. I am still unable to access my report even with their provided confirmation number. I enter in the confirmation number and all my personal information like SS # name address phone number then they start asking questions about accounts and loans that have nothing to do with me and in the end say they can't confirm my identity. If they have all this info and say they can't confirm my identity, then they are falsely representing who I am and my account activity if they can't verify who I am. So what I'm saying is their information is so erroneous they can't verify who I am then they can't accurately report my credit but because they won't give me access to my report I can't properly dispute the bad information they have in my file. According to FCRA they have to verify all information and remove any incorrect, incomplete or false information.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

I was contacted by what a I thought was Paypal about a charge by a hacker of a payment of {$1200.00} that was made on my Paypal account. I did not have a Paypal account, but Paypal told me that the hacker had creacted one in my name. I was sent to a page to claim a refund and this page contained the bank information to for the refund. This is where Paypal ( the real hacker ) to withdraw {$27000.00} from my account.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fay Servicing, LLC (IL)

FAY SERVICES SAYS THEY ARE MY SERVICE PROVIDER I UNDERSTAND THAT THEY ARE THE SERVICER SINCE XXXX. THATS A LIE. I BELIEVE THE MORTGAGE HOLDER IS. XXXX XXXX XXXX XXXX. XXXX XXXX FILED 3 FORECLOSURES ON MY HOME. THEY ARE A CORRUPT XXXX COMPANY. I AM CURRENTLY IN COURT WITH XXXX XXXX XXXX. THEY KEEP CHANGING THE LAWYERS AND SERVICERS. DEFAMATION LAW WILL BE FILED SOON
Consumer complaint received 2022-04-09
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (NV)

I had an account with credit karma money spend with no issues with direct deposits up until recently when they decided to send me an email regarding closing my accounts on the XXXX, within 6 minutes of that email my accounts were closed and I was awaiting a direct deposit of XXXX  dollars into my spend account. I had that direct deposit sent on the XXXX and successfully processed on the XXXX of XXXX, account closed on the XXXX of XXXX and now I have been back and forth with credit karma and the sender as well as mvb bank who processes payments for credit karma and no one can give me any answers about where the money is or when Ill get it. In fact nobody can find the information, the sender has sent it and I have the transaction id number but it still cant be found. I am beyond frustrated at this point and wish I had Been given at least time to change bank info before they closed account. I recently lost my father and this money will help with funeral costs but with no idea when Ill actually receive it, Im in a tight spot now.
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: QuickClick Loans of Illinois, LLC (GA)

I lost my job at the beginning of the pandemic in XXXX. I tried to contact someone at Quick Click Loans LLC in XXXX, GA to let them know. Could never get anyone. The next thing I know this year in XX/XX/XXXX they submitted a continued garnishment to my part-time employer. They were not able to collect because of insufficient funds. I never received a copy of the complaint nor the judgment regarding this debt. I never received any correspondence by mail or email. No phone calls, nothing. Is this legal? I would like for the garnishment to stop. This debt collector violated laws because I never knew I was being sued.
Consumer complaint received 2022-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

This company charges additional fees and cost ( inspection fees ), hold payments to make them late so that they can charge late fees. And then changes amount owes monthly so alway something new or different. Have tried for two plus years to get this fixed. Still not done and a very difficult company. This company then wanted to report this incorrect information to the credit Bureau.
Consumer complaint received 2021-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have asked for Method of Verification or signed documents with my signature on it from all credit Transunion, XXXX and XXXX after the dispute results stated that the account verified it belong to me. They have failed to show verification. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Consumer complaint received 2022-04-09
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. (MN)

In accordance with the Fair Credit Reporting act XXXX, The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXXXXXX Account Number:XXXX***** Account Number:XXXX* Account NumberXXXX*** According to the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : Consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-01-12
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: EQUIFAX, INC. (MO)

These following accounts are not mines, one even shows as joint but still I do not have any knowledge of these. And according to the FCRA as a consumer I'm respectfully requesting physical documentation of such if not provided within a reasonable time, please block / remove the following accounts ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX
Consumer complaint received 2018-08-08
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: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX and XX/XX/2017 I received a hard inquiry from CHASE, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from CHASE in connection with this request ( as I already have one and do not desire anymore at this current time. )
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NY)

Victoria Secret lowered my XXXX limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores.
Consumer complaint received 2022-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (TX)

I XXXX XXXX have sent in disputes several times, to this company stating that I have been victim of identity theft, along with that I sent a ftc report to this company and, they have yet to remove this collections from credit report despite me sending in proper documentation That have yet to remove this from my credit report Dates I have send documentation disputing this XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 The name debt collections is Merchants credit guide Amount of the collection is {$460.00} Collections agency address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX