davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (DE)

I bought 4 music festival tickets from a guy named XXXX XXXX on XX/XX/XXXX with the agreed price of {$150.00} each. I relied on him, since I already bought 1 ticket from him the year before ( payment was made via XXXX ). 

He requested the money to be transferred through XXXX - an application that connects with most banks in the US and  approved by PNC, he explained he doesn't want to use XXXX because it holds his money for too long. I made some quick research and reviews about XXXX, and feel rather confident since especially it is linked directly with PNC bank. 

The guy sent me the email with the ticket order confirmation on XX/XX/XXXX, and I went to collect the tickets the next day. Once I have those tickets, I immediately transferred the total amount of {$600.00} to him using XXXX on the PNC banking app. 

However, when I went to the concert on XX/XX/XXXX, I was told that all our four tickets were cancelled through the credit card that was used to order the tickets. 

I contacted the XXXX immediately by texts and calls and he texted me back saying that he would send me new confirmation number so I could pick up the tickets again, but he never did. I have later made multiple phone calls to him, but he never picks up his phone anymore. 

I have contacted PNC bank trying to cancel the transaction, however, they said that the money couldn't be recovered or put as disputed money anymore. And they are sorry. I feel like being betrayed and mislead by PNC for the fact that they back up a money transferring system that has no protection to its loyal customers. I have used PNC as my primary bank since I first came to the US six years ago, and with this incident, it is very hard for me to have my trust in the bank again. 

I also contacted XXXX both online and via phone, and their customer service is of no help. 

I went online and found that there were other people who had suffered money lost because the way XXXX and PNC handling transferring money transaction. All of them thought it is a safe service, because, if not, how come it links with their banks?!
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AZ)

On XX/XX/2023 {$1200.00} was sent to a XXXX XXXX from my XXXX checking account via Cashapp to another user by the name of XXXX XXXX ( $ XXXX ) with at XXXX for electrical services because he said the housing unit would need to be rewired. By Friday XX/XX/2023 the work still had not been done so I requested to have the transfer canceled and sent the screen shots to Cashapp to show he had not delivered as promised. I also called another electrician who advised that all that needed to be done was replace a breaker and he completed the work at a total cost of {$150.00} which would clearly indicate I had been scammed. Both Cashapp and my XXXX bank have refused to refund funds back to my account due to it being a bank transfer through Cashapp and not bank to bank. I have shown both places my text transcripts, shown proof of service from the second electrician, the individuals advertisements but to no avail. This morning, I also filed a complaint not only here, but with the Ohio AG and will continue through the weekend to file as many complaints through different agencies as I possibly can.
Consumer complaint received 2023-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not authorize the following credit inquiries on my transunion credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
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 (MO)

I had a vehicle, a XXXX Kia Forte vehicle financed with Kia Finance USA that was involved in a total loss collision on XX/XX/XXXX, I notified them of this loss immediately and pre their request I continued to make the payments for XXXX and XXXX while waiting on the insurance settlement, GAP payment and refund of the Credit Life and Warranty. They received the payments, primary insurance in XXXX, and the remainder in XXXX. After receipt of their payments they informed me that they would send my balance within 45 days, on XX/XX/XXXX, I received a check for {$900.00}, that check should have been for XXXX, apparently they deducted for some kind of charge that was not made aware of to me, I believe they owe me more than the amount they sent me, I was on the phone with numerous departments there on XX/XX/XXXX and we could not resolve this problem. So I am going through your office in an effort to resolve it.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

A female called me stating she was from Chase Fraud department and sounded so convincing and verified me with me via text message. She stated that my accounts had been compromised and that I needed to have my accounts blocked and will receive new debit cards. She stated that she needed to walk me through the transaction to finish it and had the bank on the other line and that my funds will be fine and if it was removed that it will be replaced. She also verified my home address and told me my debit cards will be sent out within 2 days. Later I logged back into the account and saw the money was gone and called the bank and that is when they told me that no one from chase called me and that is when I filed a claim. They told me that the transaction was in pending status and that they were putting an urgent rush on it to stop the transaction I should hear back next week Tuesday or Wednesday. And then they transferred me to another department because I stated that I feel like my other information and accounts were compromised so when I was transferred the guy put a block on the one account that came from the wire and stated that it should not take that long for them to figure out if the transaction has gone through or not and he transferred me to the claims department. The claims department stated that the transaction has already gone through and told me that I was the one that made the transaction so it was not too much he could do and to go through the customer service chat for assistance. I stated to him that I was already transferred a couple of times and that customer service will more than likely send me to someone else and that was not helpful. I eventually asked to be transferred back to the transfer wire bank department and from there I have been on hold for at least 40 minutes now with nobody picking up. It seems that Chase is not helpful after all but only throws stuff in my face that I made the transaction after they clearly said that they would do everything they could to get my money back and they did not. I did find out this information from another department on the person that stole and falsified their identity XXXX account lives in XXXX, FL / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Address ( Transaction went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX person name : XXXX XXXX On my end, I still show that this transaction is still pending.
Consumer complaint received 2021-07-19
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

PLEASE NOTE ATTACHMENTS WHERE THE VERY XXXX AND CORRUPT EXPERIAN WORKED WITH SBA TO DENY THE MUCH NEEDED DISASTER RELIEF LOAN I WAS INITIALLY APPROVED FOR.
Consumer complaint received 2018-06-14
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lendmark Financial Services (GA)

I have notified lendmark several times that I am in school and I will work with them on my payments. They continue to call my grandmother and told her the debt I had and what they were looking for. They are not allowed to share my information with anyone.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NM)

I have had a credit card account with Care Credit/ XXXX XXXX since XX/XX/2014, I was informed today that last month I made my payment 10 days late and was to be charged a XXXX dollar late fee. I contacted the issuer and they said " if your late you have to pay as a penalty for being late '' I have been an on time paying ( verifiable by payment records ) customer for 4+ years and to gouge myself and others alike given this is a medical expense credit card is immoral and unethical.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (MS)

TO WHOM IT MAY CONCERN : IN REFERENCE TO THIS ACCOUNT LISTED BELOW : Account : National Credit AdjustXXXX I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE.

2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.

WITHOUT PREJUDICE. 

This company has failed to send me proper verification of this debt. Please remove this from my consumer report.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted complaints to you begining XX/XX/XXXX  then XX/XX/, then XX/XX/XXXX  and now XX/XX/XXXX  about EXPERIAN not correcting my report. I have ran my credit again this morning and the following are still on my report. The have reinvestaged some and put incorrect status it has been more than 30 days which is against the law per document I have attached. I am reporting this to the Attonery General Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have included a letter from them to remove these which i also uploaded to experian and it is still on report shos they do nothing and this was sent to them two months ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine requested proof sent letter of valadation proof XXXX this was a secured card that i paid XXXX deposit I owe them nothem I want documents havent gotten XXXX I have sent them cerified and I have signature they got it sking  for all transations and statements of were my payments went I paid them on time on Ach AND THEN THEY WOULD CHARGE ME LATE FEES AND SAY IT DIDNT OAY WHEN I DID, Then experian states it is accurate XXXX XXXX i requested a signed copy of contract which I havent gotten
Consumer complaint received 2023-11-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MS)

My name is XXXX XXXX, I am a customer of PayPal with XXXX on the PayPal website PayPal limited my account XXXX weeks ago and requested for ID card, bank statement and other documents which I provided and PayPal said they would unlock my account in XXXX business day. 

But as it stands now, PayPal has not still unlock my account after I gave submitted the documents XXXX week ago. 

This is very unfair practice and I do hope PayPal can put things right.
Consumer complaint received 2017-06-12
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. (CA)

In correspondence dated    XXXX   XXXX   2017   I  mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2023-11-18
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. (GA)

I did not consent to nor benefit from the following inquiries on my consumer report : XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XXXX XXXX This is not a duplicate complaint. Do not close this complaint without a proper investigation.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

1. A Hard Inquiry occurred on my credit report without my permission.

2. I did not authorize anyone employed by XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) to make any inquiry to view my Experian credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

3. In a letter dated XX/XX/XXXX, I requested documentation bearing my signature, authorizing the inquiry. This letter is attached. 

4. I mailed the letter Certified Mail to the address for XXXX XXXX  listed on my credit report. It was returned undeliverable as addressed. It is attached. 

5. Thus, XXXX XXXX is reporting inaccurate data because they are reporting a false address on my Experian credit report. 

6. The inquiry being reported by XXXX XXXX  should be removed immediately.

7. I am also attaching the inquiry pages of my Experian credit profiles dated XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (PA)

I opened an account with M & T Bank in approximately XXXX or XX/XX/2019. I closed it a couple of months later. Today, XX/XX/XXXX, I received a letter that they had tried to contact me previously about an overdraft of {$29.00} but they had not heard back from me, and that they are closing the account and trying to collect the debt from me. This is a LIE. 

First, I closed the account months ago. 
Second, I never wrote a check on the account, and the balance is zero. There is NO negative balance. 
Third, they have not written to me previously. 

And fourth, they have the spelling and grammar of a first grader, which makes me suspect that the letter is a scam.
Consumer complaint received 2019-11-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (GA)

I am requesting a letter of explanation for the car loan I received in XX/XX/2012 in which I still have a balance of {$7600.00} and I have paid a total of {$27000.00}. Why was my lst eight payments applied to the interest and only {$39.00} applied to the principle. See attachment. My payments have not been applied to the rules according to ( GAAP ) General accepted accounting principles. After reviewing my payment history, I see that my payments have been applied to the interest incorrectly. See attachment. The payment history shows months of no payment going to the principle.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-07-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In 1996 I opened a prima bank services account with no monthly service charge at a Bank of America branch The agreement provided that as long as I had a minimum balance of {$5000.00} I would not be charged for my standard safety deposit box. For twenty years Bank of America has lived up to the contract. However yesterday I received an invoice for the safe deposit box for {$75.00}.