davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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 (NC)

On XX/XX/2021, PayPal permanently limited my account. On XX/XX/2021, the company responded to a CFPB complaint with false claims that need to be addressed. PayPal mentioned that the main reason they closed my account was because : ( there was a high level of risk associated with your Account. Specifically, your Account exchanged several payments from an account that shares information with your Account. We can confirm the accounts share financials, address, and login information ). The account they're referring to is my wife 's account. Nothing is their terms and conditions prohibits members from the same household from having their own accounts or sending money to each other. I don't remember that we ever used the same payment method on the same account but most importantly, PayPal NEVER received a dispute on any transaction made through my account. Your review and closure of my account was not " periodic '' as you alleged, you closed my account after you closed my wife 's, post a phone call she made to your customer service. You closed my account based on false information and for that reason I'm requesting that you reinstate my account.
Consumer complaint received 2022-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I have notified the credit bureaus in regards to these negative items being reported on my credit report. I have no knowledge of this account and I asked numerous times for it to be removed. XXXX and XXXX has already determined that the accounts does not belong to me in which they deleted the items. Equifax is the only bureau still reporting these inaccurate items. I was a victim of Identity theft in which I have submitted my FTC complaint as well as a police report to validate. A ton of inquiries and collection accounts showed up on my report and they should not be there. 
XXXX XXXX has not responded with the any documentation bearing my wet ink signature nor have they provided any proof of this alleged debt.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX states that I applied for an account XX/XX/XXXX and it closed in XX/XX/XXXX then reports closed XX/XX/XXXX. I was unaware of having a XXXX account approval and never utilized any account with XXXX. I have disputed this multiple times with the bureaus and the company and they come back with updated information as derogatory from a late payment in XXXX then in XXXX. Its all inaccurate information and I have asked for them to remove the inaccurate information placing me in derogatory status and they state its the bureaus reporting this information in derogatory and vice versa with the bureaus stating it is fingerhut giving them information to report. At this point I need this removed immediately since it is negatively affecting my bureau and scoring and the company has failed to provide any activity on the account to report a late payment to be derogatory. Late payment reports XX/XX/XXXX the same date the account closed according to the reporting. This account is closed per the grantor on their own accord. I dont not wish to ever do business with the company just would like for my bureau to be clear of negative false information. Proof have been provided several times of the derogatory reporting as XX/XX/XXXX states that it is the bureaus reporting and notXX/XX/XXXX
Consumer complaint received 2022-10-10
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 (FL)

On XXXX I purchased a XXXX cruise thru Travel agency XXXX. Within two hours I notified XXXX that we were unable to fly to XXXX because of XXXX XXXX restrictions. 

I'm requesting your help settling this matter with a refund or credit. 

On XXXX I purchased a {$1400.00} XXXX cruise ( booking number XXXX ) and Insurance {$160.00} from XXXX 's XXXX XXXX ( XXXX ; XXXX ) for later that month. Within two hours, thru the XXXX website, I learned that my wife and my two covid shots ( 2 each ) were over nine months old and we were considered " unvaccinated " by the XXXX government and thus we were not allowed entry. That same afternoon I notified XXXX XXXX that we were unable to fly to the cruise due to COVID restrictions. After multiple communications with XXXX, XXXX, and XXXX ; no credit or refund. 

I have purchased three previous XXXX cruises with my family and loved our experience. 

I'm requesting your help settling this matter with a refund or credit. 

Timeline and additional details below. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timeline & details : XXXX XXXX purchased XXXX cruise, booking number XXXX, for 7 day XXXX with insurance. 
XXXX XXXX our vaccine status doesn't allow XXXX flight reservation. 
XXXX requested refund from XXXX. Advised that XXXX denied refund. 
XXXX Requested insurance refundapproved. 

Requested refund from XXXX cardapproved and then denied. 

Prior to the cruise date upon receipt of confirmation email from XXXX. Called XXXX XXXX to notify them that we are unable to purchase airline tickets to XXXX due to vaccination status. XXXX rep made a note in my record. 

XXXX rejected my request for refund for the second time. 

XXXX XXXX promised refund in two billing cyclesXXXX Service Request # XXXX n't happen. 

XXXX XXXX  rep directed me to only communicate thru XXXX. 
XXXX XXXX XXXX email XXXX promised refund in two bill cycles. Didn't happen. 

XXXX. Email to XXXX XXXX XXXX of XXXX looking into it XXXX. Email XXXX from XXXX XXXX checking with XXXX
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

The company XXXX XXXX charged my Chase credit card for {$7000.00} and I do not have the products charged for. I have requested a refund and the company is refusing to reverse the charges on my credit card. The company is making false claims about turning over the deliverables. Even with these false claims, the company also has a satisfaction 100 % money back guarantee and is also refusing to comply with this policy and return the amounts charged to my card.
Consumer complaint received 2020-11-20
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: TRUIST FINANCIAL CORPORATION (OK)

On XX/XX/2020 a hard inquiry was placed on my XX/XX/XXXX credit report. I called XX/XX/XXXX and placed a fraud alert. I called BB & T and spoke to a consumer rep who was unable to help me. They transferred me to another line. They were also not able to help. I did not make this inquiry.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit card 's XX/XX/2020 monthly statement with XXXX XXXX XXXX has not been updated with the Transunion on XXXX XXXX. Transunion has not update my monthly statement account information for XX/XX/2020. I contacted both the credit card company and credit bureau Transunion and both companies are not taking responsible for not reporting my account information on time. This is causing hardship with the purchase of a home, due to the fact that my balance is showing more than what I owe on the account. Transunion is showing an old balance for XX/XX/2020 's billing statement not XX/XX/2020 billing statement. The amount actually showing presently is incorrect and need to be update as soon as possible. The credit card statement account information is showing correctly and accurately monthly with XXXX XXXX XXXX, so Transunion should to follow suit.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

TD Partnerships Services lock me out of their online portal when I needed to check on the status of my payment and payment plan. The directed me to a phone number which did not provide an option or direction on how to get my account unlocked. 
Looking to check my payments and payment plan using their phone service, the information did you allow you to check the status of a payment or a payment plan which leads me to believe they are trying to be deceptive and trick people into making unnecessary duplicate payments. The course of action I took was on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-11-19
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-11-19
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I already sent a letter to the creditors asking to remove these Late Payments they have not abiaded by what i have requested they also Violated my Consumer Law they didnt give me the option to Opt-Out according to this information reporting to a Third party. 
So the Following Accounts Have Violated my rights Law states that its Ilegal to Report Late Payments on a Consumer Credti Report. These are the Following Accounts : Credtiors Name : Acct Number : Dates : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX Dates Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 USC 1666b : Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the fair credit reporting act : 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 Has violated my rights :15 U.S.C. 1681 section 602 A. states I have a right to privacy.

:15 U.S.C . 1681 section 604 A. section 2. also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-20
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. (VA)

XXXX is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2020-11-20
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. (FL)

AFTER REVIEWING MY CREDIT FILE I HAVE FOUND SOME DEROGATORY ACCOUNTS AND INQUIRIES LISTED ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE AND IT IS VERY FRUSTRATING BECAUSE I HAVE NO IDEA OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a payment of {$200.00} on XX/XX/XXXX it was credited on XX/XX/XXXX however, not applied to my credit available balance. I am being told the payment needs to be verified and will be held for up to 26 days.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capital one credit card is reporting 2 late payments for XX/XX/2020 and XX/XX/2020 which are incorrect and affecting me. This happened during covid and they told me everything was ok and I would not be affected and no late payments would show on my reports .They lied to me and now they reported 2 late payments that need to be removed immediately. It is hindering me from purchasing a home for myself and my kids during these tough times.
Consumer complaint received 2020-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Credit reporting agency is reporting inaccurate information on my credit report. I requested that this information be investigated and removed on XX/XX/2020. I has been 30 plus days and I have not heard anything from the credit reporting agency.
Consumer complaint received 2024-09-21
Product: Credit reporting 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. (OR)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-20
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: PNC Bank N.A. (MN)

Mortgage from PNC Bank was opened in 2002 under my name. I fought for a long time to get it removed, however I no longer have the police reports. 

It looks like whomever stole my social security number has been making payments this entire time, which is why I never noticed it. I should have been looking at my credit reports yearly, but it was never an issue until I looked at buying a house. 

I've tried reaching out to PNC Bank, but have gotten nowhere. 

PNC BANK XXXX XXXX XXXX XXXX, OH XXXX XXXX This mortgage is not being reported on either of the other two credit reporting agencies, so I assume back when this first happened, the other two actually removed it, as this is only showing up on the XXXX report.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

Opened a new HELOC ( at the same bank ) because the available draw on the old HELOC had ended at the end of 10 years. I received a statement on the old HELOC which showed an escrow balance of {$110.00}. Waited for a week to 10 days for PNC bank to send me a check for that balance. I was surprised that it hadn't been paid/settled/ credited to the new HELOC. Nothing ever came so I called PNC to ask for a check to be sent and they offered instead to deposit the funds in my checking account also saying they were surprised it hadn't been settled at the same time as the closing/opening of the old and new HELOCs. On XX/XX/XXXX I received a check from PNC for the {$110.00} and made a mobile deposit. The NEXT day, they credited my checking account with {$110.00} and did a stop payment on my deposit AND charged me {$12.00} for that stop on THEIR check which they sent me. The stop is justified but the service charge is NOT. I called PNC and was told I would have to speak with someone in the mortgage department ( which was closed ) to get that corrected. When the mortgage department re-opened, I called and was told it would have to be corrected by the customer service department which I had already called. I'm tired of the run around and all the wait times on hold!
Consumer complaint received 2021-12-08
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. (PA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-11-20
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: Experian Information Solutions Inc. (GA)

I sent the credit bureau a dispute letter on XX/XX/2020 and they didn't respond within the 30 days. I sent another letter on XX/XX/2020 asking them to delete the erroneous accounts since they failed to respond in a timely manner. I also sent a complaint through the CFPB and they responded that they have updated, not DELETED. I'm asking them to remove the accounts from my report before we have to take legal actions.
Consumer complaint received 2022-10-28
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Fair collections and outsourcing is trying to collect a debt for XXXX, in which they are not licensed in Florida to collect a debt. Pursuant to Florida law ( Fla. Stat. 559.553 ) debt collectors and out of state law firms must register with the Florida office of XXXX XXXX as a Consumer Collection agency before engaging in collection activity in the state of Florida. the debt that XXXX XXXX and outsourcing is claiming that I owe is a debt in Florida, and this is a violation of both state and federal law. Please remove this debt from my credit report and cease and desist in any collection activity.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX  XXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Account # unknown, 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