davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

On XX/XX/2023, an order was placed through XXXX. The order never arrived. So I promptly contacted the good people at XXXX and they refunded my XXXX to my card ending in XXXX. 

In the past with any other company the money comes quickly. It is now XX/XX/2023 and not only did I not receive a refund PayPal deleted the transaction from my account all together. 

I have friends that told me that PayPal Steals and I am even a member of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This transaction where I was able to catch them tells me that I am not the SPECIAL ONE and they are probably doing this to thousands of people and the government here in the United States needs to do something about this problem. 

cc : XXXX XXXX XXXX President Joe Biden
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

American Express Cards purchased through company ( XXXX ) to use as employee gifts are being " stolen '' while the cards are still physically in the employees hands ( still in original gift envelope ). 

Am Ex will not refund any money.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

Made a deposit in an ATM on XX/XX/XXXX and saw the incorrect amount show up in my account called to see how best to rectify was told I had to file a claim. Received a letter on XX/XX/XXXX stating that No deposit was made. 

Called the company as the incorrect deposit amount clearly showed on the account and was transferred to a supervisor who was very combative and advised that I should have sent in the receipt, I advised her that I wasnt told to do so and she became consistently louder and continued to cut me if when explaining she even advised that I am the one who needs her help. 

Please pull this call as I like chase bank and customers should not be treated this way. Would also like a solution for my deposit
Consumer complaint received 2023-06-28
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: Kentucky Housing Corporation (KY)

Hello I contacted XXXX about information they are reporting on my credit report that is not correct. I disputed information KY housing, my mortgage company, put in the additional comments of my credit report. It says i have a variable rate and i have a reaffirmation agreement with this company. I told them i have a fixed rate and that the reaffirmation agreement i had with them is 17-1/2 years old and they were only allowed to report about that bankruptcy for ten years. They closed the dispute and said ky housing verified it. i requested the procedure how it was validated and they said they just ask them and Ky housing sent back the same information as verified. I asked for proof of what Ky housing sent to verify, and they said my dispute letter is my proof. I stated i provided documents that show the reaffirmation agreement was 17-1/2 years old and my promissory note showing i have a fixed rate on my mortgage. They said they could not do anything because ky housing verified it. I am going to upload the dispute result letter from XXXX. A copy of the reaffirmation letter I signed in XX/XX/2005 to XXXX XXXX. My promissory note for my loan with ky housing. I have also contacted ky housing twice by email. To a lady name XXXX XXXX, XXXX which us the name of the person that sent me a copy of my documents from ky housing. I told her the information is not correct that is being reported by ky housing. She never would respond back to me. So i have tried all ways to rectify before filling this complaint
Consumer complaint received 2023-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

I opened a new XXXX savings account under a promotion offer code : " XXXX '' at the branch on XX/XX/2023. I received a promo code validation from the banker. 
I have met all offer requirements ( please see description below ), but I did not receive the {$520.00} bonus. 
The bonus requirements are as follows : XXXX. " Open new account with {$25.00} in a branch. '' I opened my account at the branch on XX/XX/2023 with {$25.00}. 
XXXX. " Bring {$25000.00} or more in new money to your new savings account by Day 30 and maintain at least a {$25000.00} balance through Day 90 after account opening. '' In my case I needed to bring a total of {$25000.00} or more by Day 30 was XX/XX/2023. By XXXX XXXX, XX/XX/2023, I brought in a total of more than {$25000.00} in new money, and by Day 30 I had a balance of {$25000.00} in my savings account. I maintain the funds in my account through Day 90 after account opening. Day 90 was XX/XX/2023. I maintained the funds in my account until XX/XX/2023. 
Although I met all the requirements, I did not receive the {$520.00} Savings Bonus.
Consumer complaint received 2023-06-28
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. (NY)

I did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent inquiry on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Below are the fraudulent inquiries that needs to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Home XXXX
Consumer complaint received 2023-06-26
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. (TX)

I have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-26
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. (AL)

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX  has falsely reported information to the credit bureaus about an account that does not belong to me. Ive already contacted them with all necessary documents to remove this account off my reports with XXXX, XXXX, and Trans Union, as I am not responsible of no part of any debt with this creditor please remove off my report effective immediately as Im a victim of identity theft. Thank you.
Consumer complaint received 2023-06-26
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)

I

n 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. 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 2023-06-26
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. (TX)

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.

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 2023-06-27
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. (MO)

I am submitting this complaint myself to told you that the 3 credit bureaus seemed to fail to remove the following accounts listed here on my complaint. For that, I am requesting to you to help me gather some investigation with this issue. The current status should not be showing late because I paid it on time. Three Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets verified and remove these immediately. The Bureaus are required to verify for them, but they failed to remove the accounts. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts which are late/closed and charge off immediately : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} - The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. XXXX XXXX XXXX XXXX Balance : {$0.00} - Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly. XXXX XXXX Balance : {$0.00} - I need to dispute charge off account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. XXXX XXXX XXXX XXXX Balance : {$0.00} - Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am submitting this complaint myself to told you that the XXXX credit bureaus seemed to fail to remove the following accounts listed here on my complaint. For that, I am requesting to you to help me gather some investigation with this issue. The current status should not be showing late because I paid it on time. Three Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets verified and remove these immediately. The Bureaus are required to verify for them, but they failed to remove the accounts. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts which are late/closed and charge off immediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. XXXX XXXX XXXX XXXX Balance : {$0.00} - Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly. XXXX XXXX Balance : {$0.00} - I need to dispute charge off account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. XXXX XXXX XXXX XXXX Balance : {$0.00} - Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly.
Consumer complaint received 2019-03-15
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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NY)

American Medical Collection is reporting a debt collection account on my XXXX credit report. That debt is not mine. I have contacted American Medical Collection over two months ago to remove it. They sent me a letter confirming that they will remove it from my credit report but unfortunately they never did.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

Despite being protected by the Servicemember 's Civil Relief Act ( SCRA ), American Express ( AmEx ) has erroneously assessed renewal fees onto my account twice this year. 

The first instance was on XX/XX/XXXX, in the prorated amount of {$31.00}. I contacted AmEx and explained that I was a XXXX XXXX who served on federal active-duty orders ( Title 10 ) for over 30 days in length, from XX/XX/XXXX through XX/XX/XXXX. I further explained that XXXX eligibility extends one year beyond the end of the eligible service. So, my covered period would've been extended to XX/XX/XXXX, which contains the date in question. Instituting a renewal fee is therefore a violation of the XXXX. I opened a case with AmEx for them to review the situation, and after numerous follow-ups, I was incorrectly told that I was not protected under the SCRA. 

The second instance was on XX/XX/XXXX, in the amount of {$95.00}. I'm a XXXX XXXX currently serving on federal active-duty orders ( Title XXXX ), which began XX/XX/XXXX. Since I'm currently serving on federal active-duty orders over 30 days in length, I'm protected under the SCRA. It's indisputable that I should not have been assessed this renewal fee, and that the fee was applied in violation of the XXXX.
Consumer complaint received 2023-06-28
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: WELLS FARGO & COMPANY (CA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 2019-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was scammed making a payment in the amount of XXXX to a person using XXXX. I called my bank chase bank to be exact and they said they could not help me at all. Scanners name is XXXX and goes by the number XXXX
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc. (KS)

I was called by a debt collector M.A.R.S in XXXX, Ok. I had asked what would happen if I couldn't pay off the debt, the man responded " it'll stay on your credit & you'll never be able to rent another apartment '' the reason why I even have an {$800.00} debt from XXXX XXXX in XXXX Ok, is due to them charging me for rent that " didn't get paid '' since they put more money on my XXXX from XXXX XXXX ( called refund prepayments ) that they should've but I'm the one being held responsible. I'm being charged {$300.00} for rent, and a prorated move out fee I shouldn't be, I was told that I would only pay {$30.00}, not {$70.00}, but somehow I owe both those costs. I initially got a debt letter XX/XX/2022.