davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
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 (TX)

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe this restriction is a result of a misunderstanding, as I have always followed PayPal 's policies and have not engaged in any unauthorized activities. 

Maintaining a positive and trusted relationship with PayPal is of utmost importance to me as a long-standing user. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough review of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have always done. 

Thank you for your attention to this matter. I kindly ask that you initiate the review process promptly. Should you require any specific documents or details from my end to facilitate this process, please do not hesitate to inform me. 

I appreciate your consideration and look forward to a swift resolution and the opportunity to resume using PayPal 's services.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP (CA)

My credit scores dropped a lot. I checked my credit report. There are some hard inquiry that not I authorized. 
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 US BANK consolidated inquiry date XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Duvera Billing Services, LLC (AZ)

I have no knowledge of this account. I have asked the company numerous times to provide me with a validation of debt and have failed to do so on multiple occasions. I also have receipts of time stamped letters that went out to this company with no response.
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I have had to dispute this company twice for fraud ; its started off as XXXX XXXX XXXX XXXX XXXX and then as XXXX XXXX XXXX and now its under the name Capio Partners LLC For the third time I am here to clarify I do not owe that debt. They can not verify any of what they're claiming I owe. EVERY YEAR I am harassed by this company/dept and im at a point of exhaustion.

I will clarify once again, this is FRAUD. Please I'm at my wits end and I don't know how to have this stop impacting my credit. Im trying to fix my credit and buy my first home and they constantly try to put this FALSE report on my name.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

A father claim with TD Bank I made a deposit for {$1000.00} only a dollar clear from this deposit the ATM after me the deposit shut down I was not provided with a receipt I filed two claims they were both denied. These are the claim numbers : XXXX XXXX I want my money back.
Consumer complaint received 2021-01-21
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: I.C. System, Inc. (CA)

I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Consumer complaint received 2021-01-21
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: WELLS FARGO & COMPANY (MD)

Wells Fargo Dealer Services has sent my private account information to the credit bureaus without my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information. The credit bureaus should not be allowed to add my private account information to any report sent by a creditor who is also violating my privacy rights by sharing my private account information without my consent. Therefore, I demand that this account be removed immediately from my credit report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Firstsource Business Process Services, LLC (CT)

Upon checking my credit report and paying down over {$7000.00} in debt, my credit score keeps dropping lower and lower. I recently found out that a close friend of mine is using my information which shows on my credit report. For what in do not know. But his name appears on the XXXX website and I have prodd of this. My ssn is off by XXXX number or my last name being changed by XXXX letter. Theres also a XXXX Credit card in my name which I did not open. I asked for these to be removed and they still show up. Plus I had a XXXX XXXX card cancelled because of a low credit score and I paid the min payment weekly. Not monthly.
Consumer complaint received 2024-03-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (SC)

This account was paid and settled and needs to be removed. The company updated the balance on my account inaccurately with the XXXX major credit bureaus. It shows i still owe {$440.00} and that is false. The email they sent me on XX/XX/2024 shows the receipt and current balance of my account. I resolved this account on XX/XX/2024. I called the company on XX/XX/2024 to get more information on when it will be updated correctly because I didnt believe the email that I received and the representative informed me that it WILL take 90 DAYS for it to cone off and thats unacceptable. They CAN NOT report inaccurate information on my consumer account and this needs to be resolved immediately!
Consumer complaint received 2021-11-28
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (VA)

When I Zelle money to XXXX XXXX or XXXX  XXXX XXXX, the money is available instantly, but when I send money to XXXX XXXX, the money is not available until 24 hours later. I called the bank, and said it's not them but Zelle is withholding it.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridge IT, Inc. (CA)

Pursuant to 5 U.S.C. 552a, access to requested records was denied in XX/XX/2023, violating 5 U.S.C. 552a ( d ) ( 1 ). Provisions in 12 CFR 1026.13 were invoked from XX/XX/2023 to XX/XX/2023, with a breach of 5 U.S.C. 552a ( d ) ( 2 ) ( B ) ( ii ) - no written explanation provided after refusal, and no amendments reflected, violating 5 U.S.C. 552a ( d ) ( 2 ) ( B ) ( ii ). Names of officers, business address, and authorized personnel were not cited, contravening 5 U.S.C. 552a ( d ) ( 2 ) ( B ) ( ii ). Multiple violations of 5 U.S.C. 552a ( d ) ( 3 ) and 552a ( d ) ( 4 ) occurred, disclosing refusal to amend incorrect information to major credit bureaus. From XX/XX/2023 to XXXX XXXX, 12 CFR 1026.13 ( d ) ( 3 ) was violated - ongoing billing and collection without informing credit bureaus of the dispute, further breaching 15 U.S.C. 1666a ( b ). The absence of an opt-out notice infringes 15 U.S.C. 6802 ( b ) and 16 CFR 313.7. The installment loan contract in the " Cash Deposit Account '' violates 16 CFR 433.2 ( a ) and 16 CFR 433.2 ( b ). On XX/XX/2023, denial of correction without written notice violated 5 U.S.C. 552a ( d ) ( B ) ( i ). California Civil Code 1785.30 violations relate to all three major credit reporting agencies.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/24 my business accepted a payment in the amount of {$440.00} for work we did. 
We payXXXX XXXXXXXX XXXX accepted payment through the app. 
Days went by the money never deposited into our account. We started to investigate, we reached out to chase customer service and they told us that we have to email we payXXXX XXXX because it was there problem but we could only talk to them through email. We reached out countless of times but kept getting the run around. We sent all our documents that they asked us for. This is a new business. They wont give us a reason why they closed the account or why they are holding our funds. They want us to wait 120 days before we can follow up with then In hopes they send us our money.
Consumer complaint received 2024-03-02
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TN)

Best Buy credit card from CITI bank applied and interest of {$590.00} on XX/XX/XXXX on a remaining balance of {$390.00}, during that time and all the time I have my credit card on autopayment which applies the statement balance automatically every month and have not been late a single day since being a CITI bank customer. I was checking my account on XXXX when I found about that interest charge so I contacted the bank and explained that I never received any notification about the promo ending or an interest being applied I didn't even receive my statement or any kind of information through mail or email from citi bank so i can pay the balance. i asked them to waive that interest and that i will pay off the balance completely but they kept lying and falsifying the information being provided : first of all, it is not passed the XXXX business days role yet, so technically i can still dispute that interest charge, their customer service XXXX employee ID XXXX was rude and unprofessional and kept lying regarding the data being provided or on the account. I simply asked for this to be escalate so i can have it fixed but no one helped or did anything. this is simply a scam, i only had a balance of $ XXXX but they went ahead and charged me an additional {$590.00}
Consumer complaint received 2024-02-02
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. (TX)

In accordance with the Fair Credit Reporting Act TEXAS XXXX XXXX credit card account, TEXAS XXXX XXXX mortgage account, DEPT OF ED / XXXX has violated my rights : 15 USC 1681 Section 602 A Section ( 4 ) States I have the right to privacy. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CO)

Let me explain to you what happened to me on XX/XX/2021 : While on my computer, I received on my screen an urgent message ( with an accompanying phone number ) saying that my XXXX was compromised and in need of immediate attention. When I called that number, someone answered who proceeded to " help me fix the problem. '' This set into motion an elaborate process that through its various steps convinced me that the individuals I was dealing with were legitimate... I did ask them questions that they were able to answer believably. Ultimately, an individual who represented themselves as a Citi employee - who called from the number shown on the back of my Citi credit card- indicated that two significant purchases had been made on my credit card in XXXX, and that they could help me to stop what was going on, and walked me through what I needed to do in order to run a test. That person asked me to go to XXXX XXXX  and purchase five XXXX gift cards @ {$500.00} apiece, saying that the help would come through XXXX and that the money would be refunded in 3 days. I purchased the cards and gave the person the numbers on the cards, thereby allowing the scammer to use my money. So, the total amount of their scam totaled {$2500.00}. Feeling increasingly suspicious about this step of the process, I contacted my son in MA who confirmed that I'd been deceived. We immediately notified Citi Cards, canceled this credit card number, and requested a new credit card. THE WOMAN I TALKED TO AT CITI ( WITH MY SON ON THE LINE WITH THE CITI REPRESENTATIVE... AND THE CALL RECORDED BY CITI ), XXXX, IMMEDIATELY AND UNQUESTIONABLY ASSURED ME THAT I WOULD NOT BE RESPONSIBLE FOR THESE CHARGES. This call was at XXXX on XX/XX/XXXX. We know that they have the recording of this conversation with an authorized representative of Citi, as the representative we subsequently spoke with after receiving the first decline letter - XXXX XXXX- indicated that this conversation had been logged but that he couldn't ( wouldn't? ) play that recording for all of us to listen to. 

I could easily have been untruthful and say that my card had been lost or stolen, but I was completely honest, and trusted that the process would work and that the fraudulent charge - which I gained no benefit from - would be removed from my record. I'm not in a financial position to be able to pay for this, and I don't want to have to spend even more time than I already have trying to resolve this. I have no choice but to defend my position to the fullest extent, but it's causing me extreme stress and loss of sleep and as a result is impacting my health. I'm happy to answer any additional questions you might have if you would like to contact me.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC (TN)

In XXXX of 2021 I XXXX, fully settled and payed the amount needed to Completely close the debt Between the law office of Jennifer McCoy and XXXX XXXX apartments, I do not have any debt owed to national credit systems. The collection was sent to the law office of Jennifer McCoy where it was paid in full. The debt showing on my credit for XXXX XXXX XXXX should have never been created or placed on my credit. Although it shows balance of XXXX $ and account still open, it should have never been there to begin with. My credit should ONLY show XXXX credit and debt paid in full and closed account under law office of Jennifer McCoy
Consumer complaint received 2024-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (TX)

XXXX XXXX has a history of charging an initial amount that is paid in full THEN weeks later try to get more money by sending a bill claiming more is now owed that wasnt the original amount. I have contacted them multiple time on several occasions stating their business practice is unethical and should stop. 
Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Mo XXXX XXXX is their latest contracted bully who is trying to get me to pay {$56.00} more AFTER be paid {$910.00} on the day of service. They have assigned my case a reference number of XXXX. They say they accept disputes electronically at XXXX BUT when you go there to actually dispute the charge you discover there isnt a link available to supply a dispute. 
Both XXXX and Credit Control should be charged with fraudulent activity. 

Please help. 
XXXX XXXX
Consumer complaint received 2020-08-29
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: EQUIFAX, INC. (MI)

On XX/XX/XXXX I have noticed that there are some erroneous information on my eport and I have contacted the 3 major bureaus regarding this information. I have been working diligently on my credit. It has been very tough during this pandemic and trying to keep up with the finances an all but I have contacted the creditors in relations to the errors that were made on my report and I have not seen a change I am requesting that all the items that are being disputed be removed immediately due to the COVID 19