davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

Hello CFBP, my PayPal account has been permanently XXXX. After the account balance has been kept for 180 days, I have received a withdrawal email notification from PayPal, but I still can not withdraw cash, please help me.
Consumer complaint received 2020-08-18
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

In XX/XX/2019, I sold a video game on XXXX  to a purported buyer. I followed all XXXX guidelines for seller protection, particularly for sending digital download codes for software. 

Upon receipt of the redemption codes, the buyer initiated a fraudulent claim, stating only that " my account was hacked '' and requested a chargeback of {$35.00}. PayPal agreed with the buyer without considering any of the evidence that I provided to the contrary. 

Upon calling them today ( XX/XX/2019 ), the Disputes representative I spoke to was incredibly rude, hung up on me, and refused to allow me to appeal or re-open the claim. She stated that I didn't provide " the IP address '' or " other information '' proving that I was defrauded. I work in XXXX  -- there is no discernible way that I would be able to find the IP address of the fraudster 's XXXX to prove that they redeemed the codes. 

PayPal should examine how they treat customers on the phone. Customers -- especially Veterans, like me -- don't deserve to be treated rudely because we're trying to make sense of a financial institution 's overwhelmingly complex, confusing, and vague claims processes. After wasting several hours on the phone, I gave up, paid the balance due, and closed my account. I will never open a PayPal account again, nor will I ever recommend PayPal to friends and family. In fact, I will actively advise against opening accounts with PayPal to anybody who will give me the time of day. 

Having worked for a XXXX XXXX XXXX XXXX responsible for handling bureau complaints and inquiries, I do not expect anything to happen to PayPal, nor do I expect to receive my defrauded {$35.00} back, although it would be appreciated, particularly after how poorly I was treated on the phone. Nevertheless, I will be watching closely for similar stories, and will consider certifying a class for a class action lawsuit for UDAAP in how PayPal handles claims.
Consumer complaint received 2021-08-04
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)

There are 6 Accounts on my credit report that do not belong to me I have not used or know what these accounts are I need these off my credit report ASAP!!!!! 

XXXX XXXX XXXX  - Acct # XXXX Amt {$1000.00} XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX  - Acct # XXXX Amt  {$67.00} XXXX XXXX- Acct # XXXX Amt {$0.00}
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022, I purchased the merchandise from XXXX XXXX XXXX. XXXX ( XXXX  ). On the merchants website, it showed the price of the merchandises in both XXXX Dollars and US dollars. I selected to purchase in XXXX Dollars using PayPal service which is charged to my XXXX credit card. 

After my order, I saw that the charge on my XXXX credit card from PayPal was almost XXXX XXXX XXXX dollars higher than the amount that the merchant shown on its website. Thus, I decided to cancel my order with the merchant. The cancellation was confirmed verbally via phone call and later confirmed by email by the merchant. 

On my XXXX statement, it showed that I was charged by PayPal in the amount of {$6100.00} and refunded in the amount of {$5800.00}. The difference between the two amounts was {$240.00}. 

I contacted XXXX and their response was unable to adjust the amount of differences. I also contacted PayPal but not satisfy with their response. 

After that, I also asked for help from XXXX XXXX XXXX XXXX ( XXXX ) which ia affiliated with XXXX television. On XX/XX/2022, XXXX XXXX XXXX XXXX informed me that there was no response neither from PayPal service nor XXXX credit card company. 

In my opinion, PayPal should refund to my credit card account in the same amount that I was charged in US Dollars.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (OH)

Citibank offered us an accelerate savings account. I opened the acct mid XXXX. We made 3 large deposits first one {$40000.00}, next month we deposited {$20000.00} then in XXXX made another {$5000.00} deposit. 

The day after the last deposit on XX/XX/XXXX they said that they have blocked my account and is closing it. I have no access to my account to even see that my money is there. When you call them you are on hold for over an hour. They will not tell me why they are closing it and they will not allow us to take our money out. They will close it after they investigate and will send me a check in the mail. 

I did receive interest. but now I can not access or receive any interest and with the current mail system I have already experienced not receiving checks in the mail multiple times. So sending me my money 60 days later in the mail is unreliable and unacceptable. 

I need access to that money sooner than 60 days. They are not allowing me to talk with a supervisor. They give me no confirmation or reason why they have blocked and closed my account. At this point I just want to put my money back into my local account. 

No withdrawls have been ever made the only thing that has taken place is 3 deposits directly from our bank. All done on line. There has been no illegal activities. If someone was trying to do something to my account I don't understand how I wouldn't be notified about that and why they are closing my account. At this point they are holding my money with no confirmation or availability to see what money is in there.
Consumer complaint received 2022-07-19
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. (OH)

I have been disputing a bankruptcy # XXXX on my Equifax CREDIT REPORT CASE # XXXX for the last 2 years every month, Equifax claimed to have verified this bankruptcy on XX/XX/2022 by XXXX and claimed this bankruptcy was reported by XXXX on XX/XX/2022, how is this possible, XXXX informed me that I do not have any bankruptcies on my PUBLIC FILE, XXXX also informed me that Equifax has not contacted the XXXX company about a bankruptcy on my public record file, so where did Equifax get this information of a bankruptcy that Equifax is shown on my credit report, they also didnt get it from the clerk of courts, Equifax has been caught in a lie about a investigation
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: U.S. BANCORP (OH)

I had services performed at XXXX XXXX on XX/XX/XXXX. My bill was XXXX. I attempted to charge my debit card from US Bank but the cashier said the transaction kept coming up as canceled. I then had them use my XXXX card and it went through. A couple of days later I show the XXXX transaction on my US Bank debit card. I called XXXX XXXX and they told me I had to call my bank because they were only paid once. I contacted US Bank and they told me I had to dispute the transaction. I sent US Bank the receipt showing the services was charged to my XXXX. I received a letter from US Bank saying my dispute was denied saying services was provided. I did not dispute services was not provided my dispute was I was charged twice, once on my XXXX which I provided them the receipt and once on my US Bank card which XXXX XXXX said didnt go through. I have tried to contact US Bank dispute department and I keep getting the run around and unable to speak to someone from that department.
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (CO)

The collection agency is attempting to collect funds for services that were not rendered. I have requested that there is proof and the agency ceased to communicate with me. I have made calls and they can not prove that the services were rendered. 

They are slandering my credit.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (NC)

I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$35.00} ; XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX Balance : {$47.00} ; XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$70.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : FIRST XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX  XXXX Balance : {$300.00}
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal 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
Consumer complaint received 2022-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (OR)

On XX/XX/2022 I received an email from XXXX notifying me of a change in my credit score. I immediately went to the XXXX site to find out what was going on. There is a claim of a debt to a company that goes by the name XXXX XXXX XXXX XXXX XXXX XXXX The collection is for {$390.00}. I have no idea who this company is. However a company called *Pro collect Inc. is the collection agency reporting it. I called that company and they made false statements to me on the phone and referred to me by my maiden name. I have gone by my married name for close to 20 years now, so I knew this was connected to fraud and identity theft. The agent claimed they had been in communication with me for the last 5 months. None of that is true. I've never spoken to anyone from Pro collect Inc. Upon some digging into the company that is claiming the debt is mine, I pulled up a site with the name XXXX XXXX which is located in XXXX XXXX. I have no connection to that country. It is supposedly a company that sells energy. Companies that sell energy don't sell to individuals, so the whole thing is absurd. Now the other name ; XXXX XXXX XXXX does not exist. There is an *XXXX  XXXX XXXX out of Texas. I called them and asked if they had any existing accounts under my information. The agent said no. I have never lived in Texas or XXXX XXXX. I strongly believe that *Pro Collect Inc* is facilitating this fraud and is a part of it. As their agent refused to listen to me and would not provide me with any proof of the debt from the original business. At this point I am trying to get this fraudulent collection removed from my credit report. I also strongly believe the collections agency needs to be federally investigated as they appear to be involved with the fraudulent charge/collection. XXXX XXXX was supposed to dispute this but appears to have done nothing on my behalf. I filed a police report for fraud/identity theft the day I received the email per XXXX suggestion. Also forgot to mention, I have never received anything in writing from Pro Collect Inc. or the original debtor. Nothing in the mail from either. I don't believe they have my address.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX Balance : {$0.00} Equifax XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-19
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Equifax credit bureau XX/XX/XXXX but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1100.00}.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conn's, Inc. (NM)

As an Employee Promised ( XXXX XXXX % ) Commission on product, warranty, other insurance to protect both the consumer and the consumer ( s ) ( I.e ) unemployment, XXXX, other. 

Did not receive full pay to hours worked correction is required. One attempt was made to correct but is still short of hours- commission or received as promised as other employees were directed to Steal sales even though I my self approved the account for XXXX  XXXX purchase XXXX deliberately given to another sales-man as I went to hour in which The manager demanded I do, seven ( 7 ) accounts were directly given to other employees with addendums to make the adjustment for the sale to justify as the other sales-man. Attempted Just because I was waged at {$15.00} per hour and the other sales-men waged at {$10.00} still below the base wage per the state of XXXX. Sales commission are not being distributed as per employee to employer contract in which was in fact signed and accepted. Commission pay should include a percentage on products, unemployed, XXXX, short term and life term with or with a peer of attorney from another party pertaining to the account.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A. (CA)

Ive been trying to dispute an item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation.If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 


PNC MORTGAGE XXXX Late Date XX/XX/21
Consumer complaint received 2022-07-19
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. (LA)

I submitted a letter to Equifax Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
DPEDXXXX XXXX Balance : {$0.00} DPEDXXXX  XXXX Balance : {$0.00} DPEDXXXX XXXXXXXX Balance : {$0.00} DPEDXXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 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. I am also a victim of identity theft in 2020.