davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
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. The person that answered had difficulties expressing himself in English 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. 

My email is XXXX XXXX
Consumer complaint received 2019-07-19
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: CITIBANK, N.A. (GA)

usc section 1681 states that there must be written authorization from the designee for any inquiries and also section 609 of the fcra states there must be signatures in order for this to be legal these are illegal practices by these companies and if not seased now i will take legal action immeadiately these inquiries are unknown and unauthorized
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

In XX/XX/XXXX I paid the lease residual payment of {$15000.00} to Hyundai Motor Finance for a XXXX XXXX XXXX they sent a title to me that was received in XX/XX/XXXX it was the original XXXX title that was issued to Hyundai went to motor vehicle to find out that there was another title issued to them on XX/XX/XXXX from the New york DMV and have been constantly in touch with them trying to get the paperwork I need to title the vehicle that has already been paid for it has taken numerous calls to get nowhere with Hyundai finance I have reached out to them and spoke to their customer service for the last 3 months everything is recorded and documented and I don't understand how they do not get in touch or give you the proper paperwork after a full payment has been made on the vehicle my last call was XX/XX/XXXX which I was told that it could take up to 5 to 10 business days again to find out what is going on unfortunately Hyundai Motor Finance has a closed system to email each other and has no other alternative to talk to the title department after they collect your money I would like to make that complaint against them thank you for your help in advance
Consumer complaint received 2021-05-02
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 (AZ)

In XX/XX/2020 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. The person that answered had difficulties expressing himself in English 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. Finally I decided to wait the 180 days for get my money but in this circumstances PayPal still keep my money for more than 270 days. 

my account doesn't have any dispute or chargeback after XXXX why they don't want gave me my money. i hope PayPal don't act like scammer company. 

my email is XXXX.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2022 Wells Fargo as unable to open my checking but couldn't provide me with any reason why they couldn't open my checking account.15 usc 1602 ( g ) The term creditor refers only to a person. 15 usc 1602 ( f ) tells me credit is my right. 15 usc 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 usc 1602 ( p ) did not unauthorized & didnt receive no benefits from this. 15 usc 1691 ( a ) ( 3 ) Makes it clear that I can not be discriminated against for exercising my rights.
Consumer complaint received 2022-01-11
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-04-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (OR)

We are the XXXX XXXX for a XXXX XXXX. On Tuesday, XX/XX/XXXX we called to close a CD account with Synchrony Bank and have the balance mailed to us. After not receiving the check I followed up with them on Monday, XX/XX/XXXX and they indicated they had not received the first request but they would mail the check minus a {$1500.00} penalty this week and we should have it in 7 to  10 days. The person I spoke with said they did not have the authority to waive the fee but would have a manager call me back. I never received a call back. I called again on XX/XX/XXXX and spoke to two people. The final preson being a XXXX who was a supervisor. She indicated that when I called on Monday, XX/XX/XXXX there was no notes made to escalate the call and that they needed to investigate the original call of XX/XX/XXXX before they could make a determination. She said this would take 48 hours and I would hear back next week. After not hearing back again I called Synchrony for the fourth time on XX/XX/XXXX and spoke with a representative of Synchrony. He indicated that the review of the phone logs that was promised to be completed in 48 hours was not completed. He indicated that he could tell from reviewing our account that it had been mishandled from the beginning. He also informed me the check had until XX/XX/XXXX to arrive at our office. Also, that the penalty was {$1800.00} they deducted not the {$1500.00} originally quoted. Also, he stated that they could have charged us {$2100.00} as if it was a favor to us. I let him know that the contract shows a penalty of 90 days interest, to which he said he could register a concern if I wanted, which I said I did. I asked to speak to a supervisor. He put me on hold twice and came back and said no one was available and if I wanted he would put in a request for a call back and I would hear back within 48 hours. He also indicated that he did not think his supervisors would change the position on the penalty. I informed him we would be filing a complaint with the Consumer Protection Board and he indicated we should if we felt it was necessary and that he was pretty sure they would not change their position on the penalty even though they had not followed their reported internal procedures. As of this time we have not received any of the Association 's funds owed totaling {$200000.00} and can not get a response on the fees that have been charged.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MA)

Had a credit card with my daughter- i was a co-signer. She maxed out card and i told her to take me off her account since my credit scores kept going down. This was XX/XX/2020. We called 6x since XX/XX/2020 and the account is still showing a huge balance and its still open in my name. I have called and she has called and nothing gets done. My credit score keeps going down and down. Talk to 2 supervisors out of the 6x i called and they still Didnt help. Actually both of them had attitudes. They didnt want to help Or cared. The account has been closed since XXXX and its still showing on my daughters credit report and mine. I called again on Friday and they told me it takes 4 months??? What??? Ive never heard such a thing. By the way its been 6 months!! Help!! Already contacted the bbb too. Still nothing has been done. HELP!!
Consumer complaint received 2018-10-17
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. (DE)

XXXX XXXX sold debt to XXXX XXXX/XXXX XXXX who was paid XX/XX/2018. XXXX XXXX is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. Equifax and XXXX will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach XXXX XXXX to obtain a letter as that is what the credit bureaus are requesting and XXXX XXXX refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. XXXX XXXX is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with XXXX XXXX, solely that they are reporting an outstanding balance.
Consumer complaint received 2021-05-02
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: CITIBANK, N.A. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, XXXX ) and the Creditors ( DSNB/Macy 's ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-12-09
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: SLM CORPORATION (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to SALLIE MAE XXXX and XXXX.The company is reporting inaccurate information ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-08-08
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. (FL)

I sent in the disclosure to Opt Out from XXXX XXXX selling/giving/using/sharing any of my information to third party and without my consent they gave my information to XXXX, Equifax and XXXX. The disclosure was mailed out to XXXX XXXX on XX/XX/2022. After seeing this information was listed on my consumer report, I started a complaint with XXXX XXXX and when I asked if I would receive any acknowledgement of the complaint or completion of the 'investigation ' I was told by the representative that I would not receive any confirmation or letter of acknowledgement. 
XXXX has violated 15 USC 6802 ( b ) ( 1 ), further XXXX, Equifax and XXXX has violated 15 USC 1681b, I never gave none of the CRA 's mentioned above permission or consent to place anything on my consumer report.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

Case # XXXX I created an account about a week ago. I provided multiple documents ( Drivers ID, Employment Card ) and a selfie to verify my ID. My account was then verified. Even after this process buys and deposits have been 'Disabled ' since the creation of my account. I went through the proper channels to fix these but was told that specialists would look at my case. I reported the problem a day or so after creating the account but haven't herd back. This happened to me before with a previous account that I ended up just closing after not getting a response for weeks. The date of this complaint is XX/XX/2021.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Grain Technology, Inc. (TX)

i opened this grain account and i havent been able to access the app AT ALL. customer service is Non-Existent and they take monthly payments out of my checking account i literally Dont have the option of making manual payments. i cant even see my current balance when you go to their app it says your bank is already connected and shows a loading screen ive waited 15 minutes, deleted and reinstalled app, erased cookies etc. the app is not allowing me to view my credit card info like my balance interest etc yet they continue to take monthly payments with interest im beginning to think this is a scam please help! ive emailed and called several times with no response
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NV)

I have had a CHIME account for months and it sat around but I had my XXXX XXXX account attached and just about a week or two ago I signed up for direct deposit through CHIME and on XX/XX/21 my account was supposedly closed per CHIME but come to find out it was closed the day of my direct deposit after it was deposited. They wont give me any info on my account and I have no idea where my direct deposit funds of {$730.00} is at. Please help me my rent is passed due and I need my money.
Consumer complaint received 2021-05-02
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX, TN XXXX, and XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2020-12-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC (AZ)

Good morning, I submitted a complaint for a number of violations conducted by Avid acceptance located in Utah. A car loan financing company that charges excessive fees, excessive interest rates, commit predatory lending and promote deceitful advertising as well as harassment over the phone. I have not received any notification from you as of yet with potential solutions and steps to take or advise on how to proceed with the scam or scams perpetrated by this institution. I am aware of the preference of some companies to communicate via emails or text messages. As a courtesy and due to the pandemic I am communicating again asking for your assistance. My assistance requirements are no to peddle money or get free anything. My desire and mission is to bring scoundrels like these to a higher authority so they stop their horrible and misleading practices against me and perhaps against other victims. If at all possible I would like to get an update of my previous complaint on the same subject. My information can be found under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX My email address is XXXX Thank you in advance and please stay safe.
Consumer complaint received 2018-04-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (IA)

Received phone a phone call last week from Trans World Incorporated regarding a debt.  Informed them at that time that I was on medical leave with no income, would make a payment when able.  Received a phone call XXXX  from trans world on line XXXX  at XXXX and was hung up on.  Returned the phone call to that number and discussed again that a payment would be made in 5 weeks.XXXX XXXX receive an autodial call from XXXX, am identified and disconnected.  Return the phone call, am identified and disconnected.  Return the phone call, am identified and explain again that I have a XXXX account balance and am unable to pay until 5 week from today’s date.   The representative pressed for a payment today still and I again explained that I have a negative checking account balance and am unable to make a payment today.  I did offer to send blood.  I then asked the representative if they were allowed to “continue making harassing phone calls every 23 hours” and she informed me that she was allowed to call me every day to collect on a debt.  I asked her if she was familiar with FTC regulations and she informed me that “You and not the only person I call, Transworld is a big company with 1000’s of clients, I know what I’m doing”.  I told her she was ignorant, she asked me to stop using profanity, I explained that the word ignorant is not a profane word.  I asked her to identify the company she was calling on behalf of, she refused and transferred me to a team leader.  I spoke with the lead and asked her if it was legal for her company to call me every 24 hours if we had made contact.  She said it was not. I asked the lead if it was legal for the previous representative to use a threatening tone when demanding payment that day and she said it was not.I again informed her that I would make a payment in 5 weeks.  I was not offered a post dated payment option.  I was not offered a payment plan.   I was only offered / demanded payment in full today.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have mailed in several requests to the credit bureaus Equifax, XXXX and XXXX and requested that they remove inaccurate information from my reports. They have not verified what they are reporting per my request and rights under the FCRA, nor have they made the changes requested. I have enclosed proof of my previous correspondence and letters from the courts that state they do NOT report any information to the credit bureaus which is contradictory of what I am being told by all three bureaus.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX  XXXX