davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On Saturday XX/XX/XXXX I logged into PayPal and discovered an unauthorized pending transfer from my linked bank account to the PayPal Cash account. Someone had also changed the default language so I couldn't easily navigate the problems, and they changed the default telephone number. 

I attempted to delete my credit cards and bank account from their system, but once I had reported the fraud I was unable to make any changes. 

There is currently no live phone support, even for *in progress fraud* at PayPal. While I discovered this pending {$1000.00} theft attempt, I tried unsuccessfully to reach anyone at PayPal who could help. As a result, {$1000.00} was stolen from my bank account that day. The chat support was completely ineffective ; I spent *five hours* on Saturday trying to explain the problem to multiple chat reps, but each response took between 15 minutes to two hours to get someone to respond, and each person who responded was unaware of the issues described in the ongoing thread so I had to re-explain and ask the same questions to each person, all without a resolution. 

While the fraudulent transfer was still pending I put a stop payment for PayPal transactions with my bank, but the thieves changed their name so the transfer wasn't recognized and stopped by my bank. This could have been avoided if someone at PayPal could have helped me on Saturday. 

I can not delete my PayPal account because there is an active fraud investigation now, so my account is vulnerable and there is no one out there to help. 

Yesterday I received an automated message from PayPal that the money was refunded to my account, but it didn't solve my problem trying to delete my credit cards and the fraudulent phone number. Because I had put a stop payment request at my bank I needed to contact PayPal again to work out an alternative to the refund transfer, because my bank won't accept it. The money is still not returned to me. Today I spent 3 1/2 hours on chat support again, with the same outcome ; no resolution. Conflicting answers about what will happen to the money when the refund goes through, no answers to the problem deleting my credit cards or the fraudulent telephone number from their system. 

***Their lack of technical support constitutes complicity in this fraud because it was avoidable if they had just answered their phone. 

Their outgoing phone messages all refer to COVID as a reason for their inability to help, but they are a multibillion dollar company- after seven months of pandemic I believe they could have figured out by now how to forward calls to an employee working from home.
Consumer complaint received 2024-08-13
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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2020-08-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This issue cause my credit to take a dive with XXXX  transactions. I could not understand why my score was so low. I just paid of a home through a sell. XXXX is causing my stress and grief with purchasing a place to live. They reported incorrect information of 30 and 60 day late payment for the month of XXXX was not received. I provided the proof they needed and my credit file has jet to be corrected. Last status is its being worked. I have not received any notification of the process. I missed only the month of XXXX, and paid what I though was XXXX on time but was for XXXX all cleared up in XXXX. I continue to suffer having received 30 day late in XX/XX/2019. I've since contacted my banking institution and provided the transaction trace number for them to verify and correct my account and Credit ASAP
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (TX)

I use the account in question for a monthly subscription charge of {$170.00}, subsequently always paying the statement in full. 

Issuer disabled online access to all of my accounts, citing " suspicious activity '', even though no such suspicious activity took place ( I never used my login on any new devices for months prior to them citing a " suspicious activity '' that wasn't suspicious at all -- I'm a XXXX XXXX XXXX, and the activity on account was not at all suspicious at any point ). 

Issuer prevented me from accessing this online account, from accessing statements ( which were only available via logging into the online account, as they do not send them by USPS anymore ), and from making payments. 

Issuer prevented the recurring charge from going through ; I had to change the recurring charge to use a card from another issuer. 

It was not possible to contact the issuer. When attempting to contact the issuer, repeatedly, at about XXXX CDT, repeatedly, I'd get a message that their business hours are XXXX to XXXX. But I was already contacting issuer during said business hours. 

Subsequently, after many tries trying to contact the issuer, the access to online account was reenabled ; to my surprise, the account in question had a balance and a late fee. I paid the principal balance right away, but I do not believe I should be charged interest and late fees when it's the fault of the issuer for randomly disabling access to account and not staffing their customer service line during the advertised business hours of 24/7.
Consumer complaint received 2020-08-31
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 — Was not notified of investigation status or results
Company: AmeriHome Mortgage Company, LLC (NC)

This issue cause my credit to take a dive with XX/XX/2019transactions. I could not understand why my score was so low. I just paid of a home through a sell. AmeriHome is causing my stress and grief with purchasing a place to live. They reported incorrect information of 30 and 60 day late payment for the month of XXXX was not received. I provided the proof they needed and my credit file has jet to be corrected. Last status is its being worked. I have not received any notification of the process. I missed only the month of XXXX, and paid what I though was XXXX on time but was for XXXX all cleared up in XXXX. I continue to suffer having received 30 day late in XX/XX/2019. I've since contacted my banking institution and provided the transaction trace number for them to verify and correct my account and Credit ASAP
Consumer complaint received 2020-08-31
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. (NC)

I have sent in proof multiple times proving I do not nor have not lived at the XXXX XXXX address associated with this account. This account has been removed then placed back only my credit multiple times and I would like to see it removed permanently with the ability to be added back removed as well. There is an address and derogatory closed account attached to this complaint that I would like resolved.
Consumer complaint received 2020-07-01
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. (FL)

SINCE 2017 - THIS REPORT HAS BEEN FILED WITH FTC, FCC, ADA, FED RES, XXXX, AND THE LOCAL SHERIFF 'S OFFICE. 

PNC BANK CONSTANTLY MAILS VIA USPS MAIL TO A LAUNDRY LIST OF PEOPLE WHO ARE UNRELATED OR NEVER HAD RESIDED ( OR PREVIOUS OWNERS ) AS I AM THE 2ND HOME OWNER OF THIS PROPERTY. 

I HAVE REPETITIOUSLY MARKED THE USPS MAIL SENT BY PNC BANK MARKED AS " RETURN TO SENDER / NO SUCH ADDRESSEE '' IN ADDITION : PNC BANK CONSTANTLY CALLS ME ON THE PHONE ASKING FOR THOSE LAUNDRY LIST OF PEOPLE ( NAMES PROVIDED ON REQUEST ) ON MY LANDLINE TTY/TDD TELEPHONE, ON MY FEDERAL IP RELAY TELEPHONE NUMBER ( THAT DOES NOT TAKE INCOMING CALLS BUT MESSAGES CAN BE LEFT ON IT ), AND NOW MY OBAMA SMART PHONE. ALL THREE TELEPHONE NUMBERS. EVEN SENDING ME A TEXT AS WELL THAT IT IS IMPERATIVE TO CALL PNC AT XXXX PROBLEM? I AM NOT A PNC CUSTOMER, NEVER BANKED WITH PNC. 

PER THE SHERIFF 'S OFFICE, THE DEPUTY, DEPUTY 'S CAPTAIN, AND I WERE PRESENT AT THE PNC LOCAL BRANCH WHICH THAT BRANCH MANAGER SNAPPED AT ME FOR " STEALING PEOPLE 'S MAIL ''. NO THEY ARE MAILING IT TO ME. ALL THAT BRANCH MANAGER WOULD INFORM THE CAPTAIN AFTER LOOKING UP IN THE BANK SYSTEM THESE PEOPLE HAVE ACCOUNTS AND THEY OWE MONEY TO PNC BANK. 

HE WOULDN'T GO INTO DETAILS BECAUSE " I'M NOT THE ACCOUNT HOLDER ''. WE KNOW THAT, FOR SOME REASON, MY ADDRESS AND TELEPHONE NUMBER ( S )  ARE APPEARING IN THE SYSTEM. 

THE CAPTAIN ORDERED HIM TO DELETE ADDRESS AND DELETE MY INFO. HE SAID HE WILL DO IT RIGHT AWAY. ( OF NOTE - IT NEVER HAPPENED! ) I MAKE ALL ATTEMPTS TO RETURN THE CALL AND EVERY SINGLE TIME, PNC KEEPS TELLING ME THAT I DIALED THE WRONG NUMBER AND DISCONNECTS. I HAVE ATTACHED A PROOF OF SAMPLE AND PROOF I DO AND TRY EVERY EFFORT TO ALERT THEM.
Consumer complaint received 2020-08-31
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX XXXX {$3400.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$160.00}
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MS)

I received refunds from merchants and every time I do MY refund gets put on hold like I'm not entitled to it. This is the only company that I know does this. I have bills and children to feed but money that was returned to me for canceled purchases gets put on hold. It's absolutely stupid.
Consumer complaint received 2020-08-31
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)

I have called on several occasions to notify XXXX that they are reporting erroneously due to the fact that I have been on XXXX XXXX for the last 15 -20 yrs. I requested them to contact to verify and Bill the insurance company, they also have duplicate reporting of the same account information at which I have also requested they fix their error. When I contact the office all they do is attempt to collect the money completely ignoring my request to speak with the director of operations and or their compliance department, still have not been able to speak with anyone othet than the operator who answers the toll free number. As well as experian dispute process not reporting my statement accurately. I also tried unsuccessfully disputing thru experian back in XX/XX/2019. XXXX is the collection agency violating my rights under federal law
Consumer complaint received 2020-08-31
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. (MO)

I have the app credit karma to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$100.00} XXXX XXXX {$26.00}
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2019 I charged some items to my XXXX XXXX Credit Card {$90.00}. The cashier was on line with a representative because the cashier was having problems with the credit card. The representative spoke to me on the phone both the cashier and representative were taking to long to take care of me so I told the cashier to cancel my purchase and she did by phone and transaction. I asked the cashier if my transaction was canceled correctly she said yes. I did not take the items the items were left at the counter and I left. The following month the bank was charging me for something that I don't have and months went by now creditor 's want to collect {$300.00} they are harrasing me for money that I do not owe and my credit is bad becuase of this please help with this situation.
Consumer complaint received 2020-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

For the past 3yrs have been contacted several times daily by portfolio recovery for debt of someone else with same name. Notified them of this and that this person may have lived in XXXX XXXX XXXX, FL and may now be deceased. Said person 's accounts were handled by someone other than herself. I am in no way related to this person.
Consumer complaint received 2020-08-31
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. (OH)

XXXX XXXX # XXXX Not my account. Please Verification and Method of Verification. 


XXXX XXXX # XXXX Payment history and dates OPEN and Status are inaccurate, please provide verification of late payment  and method of verification. 

XXXX XXXX # XXXX Payment history and dates OPEN and Status are inaccurate, please provide verification of late payment  and method of verification. 

XXXX XXXX XXXX # XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and validation of debt. 


XXXX # XXXX I was never late, please provide Method of Verification of late payments.
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

Made an International Wire from JP Morgan Chase Business Banking to go to the XXXX XXXX XXXX XXXX XXXX XXXX   bank acocunt in XXXX. The wire was debited on our account. When I went into the Chase Branch I was told that our accounts had been suspended and they were unable to give an answer as to why. At this point, I was issued a cashiers check for the remaining balance in the account but it did not include the wire that our vendor in XXXX never received. 

DATE OF TRANSACTION : XXXX XXXX AMOUNT : {$16000.00} USD THIS TRANSACTION WAS DONE IN THE CHASE BRANCH BY A PRIVATE CLIENT BANKER. 

It is my understanding that because of Covid-19 the Chase Wire Research Department is not open, and there is no further assistants they could provide at any level. 

What is the next step in getting a refund for the wire that was never received or how to track it down to get to our vendor? 

Thanks so much for your assistant and advice on this matter.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2020-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MD)

I spoke with a representative at TD Bank approximately 3 weeks ago in regards to receiving a refund from XXXX XXXX. I was told since the account had been closed that it would have been returned to XXXX XXXX. Remind you this was a refund of multiple payments that totaled {$750.00}. I spoke with XXXX XXXX and they assured me that no payments had been returned. I called TD bank today XXXX/XXXX/2020 and the rep today said on XXXX XXXX 2020 they received a refund of {$750.00} even though my account has been charged off and sent to collections since XXXX/2020. Im not understanding that if my account was closed and charged off why was the refund accepted.
Consumer complaint received 2020-08-31
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. (GA)

In XX/XX/2020, I disputed the problems on my credit file with TRANSUNION which I will be escalating to you today. I asked for the fake names as mistake in identity to be removed, wrong account reporting balances, accounts reported not mine and sought for validations. However, I was only pushed back all these agencies that they verified and valid with no proof. I also called them to see how and why they are doing this but to no avail. Now, i have no choice to have you intervene for me. why are they treating me like a number? I have now decided to show them what i need to be done based on the laws that protect me as a consumer.