davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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 (FL)

I have been using PayPal since XXXX. I used it for many years to buy items online and also to purchase sports cards for my hobby. During XXXX and XXXX, the sports collectables industry experienced a huge boom. So my hobby essentially turned into a business due to the huge increase in demand for sports cards. I mainly focused on selling soccer cards. During XXXX and XXXX, my transaction volume and amounts increased tremendously in comparison to my previous use since I started buying and selling sports cards at much higher prices. During these 2 years, I buy and sold hundreds of cards online to people all around the world. Unfortunately, as the amount of my transactions increase so did the probability of encountering problems with sellers and buyers. On several occasions, I had to deal with fraudulent buyers and sellers sending me fake cards, damaged cards, different items, and even lost packages by the post office. All of these issues become huge problems for me because they were high valued items. Sports cards ranging from {$100.00} to {$8000.00} each. Every time I had any issues, I had to open a dispute with PayPal to either return an item and get my money back if I never received the item that I purchased. Due to the increase in my transactions, I naturally encountered more problems since I was dealing with numerous sellers from around the world. Once day, PayPal closed my account without any explanations and told me that they could not give me any explanations to why they closed my account. I was banned from PayPal and my business was ruined since I can no longer buy items safely from sellers around the world. Now my source of income has gone down significantly because of this and it has been a huge issue in my life. PayPal was crucial for my business and the damage that they have done to me is irreparable. The amount stress and the amount of time that I have had to put into dealing with this has been horrible. I have spent months dealing with claims with my bank trying to get my money back for items that I never received or that arrived damaged. I also lost thousands of dollars for certain transactions that I was not able to open a dispute since my account for closed. Overall, this has been a huge nightmare for me and I am going to do whatever I can to make sure that PayPal fixes or pays this. They have ruined my life and my business and I will take legal action if necessary. I tried contacting them several times and they never provided an explanation or tried to help me in any way even after I offered to show them proof of everything that I stated.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00}
Consumer complaint received 2022-07-29
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. (PA)

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00}
Consumer complaint received 2019-03-23
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (FL)

i am file a complinat against jp morgan chase bank for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent XXXX consumer report agency XXXX XXXX  XXXX XXXX fla.XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX XXXX. there is evidence demonstrate how XXXX consumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (IL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (FL)

I have been trying to refinance my mortgage which is with XXXX loancare to a lower rate with XXXX XXXX. 
Loan Care is not responding by not giving payoff amount as of a set date of XX/XX/2021 in writing which they require! 
it has been over 2 weeks and I have spoken with all reps and gone on the automatic system to get fax back of the amount within XXXX hours and still no response! 
I do not want to loose my refi rate Loan Care XXXX Pay Off XX/XX/2021 In writing
Consumer complaint received 2022-07-29
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. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX  XX/XX/2020, XXXX XX/XX/2020
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (GA)

I am filing this complaint w/ the CFPB due to unlawful, inaccurate inquiries are on my Equifax and XXXX credit report that I don't recognize and need to be deleted.. They are a direct violation of the FCRA and my federally protected consumer rights..I informed Equifax, XXXX , and XXXX about the unlawful inquiries on all 3 credit reports and only XXXX did a proper investigation and found the truth.. XXXX honorably and promptly Deleted all the unlawful inquiries off my XXXX credit!! However XXXX and Equifax has ignored the truth and continued to intentionally & unlawfully list these inquiries on my credit and ruin my credit and my life!! 
XXXX, Equifax, and XXXX/XXXX  of XXXX XXXX needs to be punished if they don't delete these inquiries off of my credit right now! PLEASE SEE XXXX '' S ( XX/XX/20 ) FINDINGS TO THIS COMPLAINT.. Thank you in advance for your help.. 

XXXX XXXX XXXX
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

During a branch visit this am, the branch agent advised my Chase Freedom account was closed XX/XX/XXXX. Chase Closed my Credit card account without Written or digital confirmation. I called in to the support line to inquire about this process and the acquire a copy of the notice. I was transferred to 6 different agents advising someone could provide the original document they " Sent '' me. Some names are XXXX - XXXX - 3 names I could not make out due to accent and finally to XXXX ( I asked for a Supervisor ) .I had to reexplain my issues to all of them as they don't talk internally. XXXX advised my account was closed due to inactivity ( Understandable ). I advised that I did not receive a letter advising my account was considered for Closure, but in XXXX, I did receive a letter my current card expires XX/XX/XXXX and a new card will be sent. I never received my new card. Time has passed and nothing was noticed. After being bounced around 6 different folks and repeating my issue to all, XXXX ( Supervisor ) advised chase sent out notification XX/XX/XXXX and they typically begin the closure after 90 Days of notice being sent out even if the Customer receives the letter or not, REALLY!?. That would make it XX/XX/XXXX for closure. I advised the account was closed XXXX so it was a premature closure. He advised the 90 days are not exact and its give or take with chase and there is nothing they can do and I can apply for a new card If I want. I advised this is my longest Standing credit account and it not only affected my Credit score but also my credit history which can have more affects on my credit. He offered to send me the original notice from XX/XX/XXXX and advised it takes 7-10 business days to process and there is nothing they can do. I am currently in the process of a mortgage application renew and this is a major hit due to the way Chase handles notifications and doesn't care if the customer get them or not. I even advised that in the Notices and letters section of my account there are no letters of closure consideration. Why not post it on the account like the Statements like when you want to offer your services or enable features?. This is really screwed up on their behalf. During a crisis we are going through now with COVID-19 and the economy down turn. This card could be the difference between charging supplies or charging medical bills due to an emergency. What a Joke. They didn't care about my Credit history or credit score being dinged since they claim " it's closed weather you get the notice or not ''.
Consumer complaint received 2022-07-29
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. (DE)

These inquiries do not belong to me XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hosto & Buchan, PLLC (AR)

On XX/XX/2022, a garnishment for the amount of {$300.00} was taken out of an account I opened roughly 4 months ago. This completely drained the balance of the account, that is only set up in order to receive a discount on a loan. I was not served papers or notified of this garnishment. I have not received any mail, phone calls, or emails about this garnishment. The information I received has my maiden name on it, which I have not had for over 12 years. My phone numbers haven't changed in 20 years, my email address has been the same for 12 years, and I have had another checking account active for over 18 years. They also could not confirm my previous address. They did not email me the information about the case that I requested. The first time I called the attorney 's office and asked a few questions, the gentleman I was speaking to hung up on me. I attempted to look up the court case in XXXX XXXX ( where they told me the judgment had taken place ), and there is no record available. That's not even the current county court, as I have no lived in XXXX XXXX in over 15 years.
Consumer complaint received 2022-07-29
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)

I have been submitting letter since 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 being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC (CA)

I've sent numerous certified mailed letters asking for debt verification and never received a response. I just received a letter from the company stating I owed {$130.00}. I tried to log onto the website listed on the letter to verify account information and it appears the account has a balance of {$0.00}. I don't understand why they don't remove this and stop reporting it. 

I was able to get this taken care of with XXXX  credit and they successfully removed this from my credit report. I don't understand why XXXX  and XXXX  have failed to do so. It is my understanding that if I mail a certified letter they have only a certain amount of time to reply. If they don't, then the debt is invalid. Again, XXXX  gladly adhered to this and went above and beyond to assist me and correct the issue.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

This is a two part complaint. I had a Wells Fargo account from about XXXX to XXXX. In late XX/XX/XXXX, I opened a checking account online. 
I was cheated in XXXX for {$210.00} for a dispute with merchant XXXX for a charge that was not supposed to be authorized. The card involved was XXXX. I tried previously to resolve this with Wells Fargo who was known as Wachovia at that time but the representatives were rude and unhelpful. 

For the XX/XX/XXXX checking account, I received the checking account info in the mail from Wells Fargo in early XX/XX/XXXX, and I arranged for direct deposit and although it was delayed it eventually posted to the account. However I never received the {$200.00} bonus for new customers. Also I am requesting a waiver of a {$10.00} fee that was assessed around XX/XX/XXXX since the direct deposit was delayed. 

All supporting info is available upon request. Thank you.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been submitting letter since 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 being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certegy Holdings, LLC (IL)

So last year in 2020 of XXXX I lost my state Identification card and social security card. I checked my credit but yet nothing new was reported on my credit but I recently just checked my credit and there is new things on my credit that seems fishy and I have no clue what it is or where its from but I know that someone is using my identity to try and open loans and get checks and finance furniture in my name Ive Locked my credit and Ive even tried disputing the inquiries but it wont let me
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Dear sir/madam My name is XXXX XXXXi have a checking account with chase.i got a XXXX  XXXX loan I'm a self employed.chase locked my account on XXXX stating that I need to provide my tax returns, a loan letter from XXXX and a Irs ein number.i did provided them all the documents and they opened my account and I used some money. But as on XXXX they have locked my account again saying that the ein needs to be before XX/XX/2020. According to law self employed don't need a EIN number to file taxes and to get XXXX  loan.i used my personal social security number when I applied for the XXXX loan.i got XXXX XXXX loan last year which was a higher amount into my same checking account .at that time chase didn't blocked my account and didn't send me any messages regarding EIN number.i f this is chase requirement than why wouldn't they ask me last year when I got my 1st loan from XXXX.i need a fair inquiry about my case. And if chase can't help me out than please send me a written letter explaining the reasons why my account was locked.you can contact me at XXXX
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs, Apple Card restricted my account usage, after speaking and confirming the charges were mine they removed the restrictions. After they removed the restriction I made a payment to be able to use the card again. Right after I made a payment, they restricted my account again. I called customer service and asked them why they did it the second time. I was told that they needed a TAX FORM 4506 T to be signed by me so they could review and remove the hold off the account. Since the account was restricted I asked for the payment to be cancelled so I could make a minimum payment. CC assured me that the payment was disputed and that I would get a check back shortly. I signed the for and sent it back to them but my account was under review permanently, so I asked for the payment, and each time I was lied to that the payment will be refunded shortly, another agent told me that it will not be refunded till after the review was completed. So every time I called I got a different answer at all the levels possible that I could speak to. 
The customer service is not relevant and one can never get an answer from them, just stories made up to their discretion.
Consumer complaint received 2022-07-29
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. (NJ)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX and XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (NC)

XX/XX/2022 XXXX : My name is XXXX XXXX. I am writing in regards to Zwicker & Associates, P.C.s attempt to collect a debt on behalf of XXXX XXXX. The account ending in XXXX. 
The total balance owed, as I understand is : {$5400.00}. I am writing for assistance because I do not wish for this team to take the harshest penalty on me, by suing me for the funds in which I explicitly do not owe or possess. 
I am a XXXX veteran of the XXXX. I have no available funds or assets to liquidate to satisfy this debt in full or at thirty-five percent. 
I do not own a vehicle. And I do not own a home and I do not own any properties. I am not actively employed. I live with my family and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX 
I am able to secure via family agreement, a full payment, to clear this debt in the amount of {$1500.00} given that Zwicker & Associates, XXXX. is able to accept and agree in full, that, this debt will be satisfied and there is be no further collection attempts and that XXXX XXXX will in good faith honor this payment as a debt satisfied in full with no further collection attempts and all lawsuits will cease immediately upon receipt of payment! 
Zwicker & Associates, XXXX. will be able to reach me via telephone at : ( XXXX ) XXXX, only if this communication is something they are going to accept and allow a payment of {$1500.00} to me made on the date in which they contact me. 
If this offer for settlement is accepted, Zwicker & Associates, XXXX. may contact me via telephone to collect a payment of {$1500.00} in full. Once the payment is posted, they will submit to me via email and fax ( XXXX ) XXXX, a receipt for payment, as well as communication advising that the debt is satisfied and paid in full with no further collection or legal attempts to me made. 

Thank you, XXXX XXXX XXXX XXXX XXXX Ct XXXX 
XXXX, NC XXXX ( XXXX ) XXXX