davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
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: AMERICAN EXPRESS COMPANY (MD)

In XX/XX/2020, I paid in advance for a product from XXXX XXXX. XXXX failed to deliver the product. I requested a refund on multiple occasions. XXXX refused to refund my money. I raised the concern with American Express. Inexplicably, AmEx sided with the vendor despite the fact that I was charged for a good I did not receive and the vendor admitted in writing to AmEx that it did not provide the good. 

Instead of responsibly resolving the matter, XXXX has engaged in ad hominem attacks, misstatements of fact, and defamation. All of this evidence has been provided to AmEx. I attach a portion of here as well. 

AmEx should find in my favor and refund my money in full.
Consumer complaint received 2020-09-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NY)

I visited PNC of XXXX NJ to enroll in a forbearance program on a personal line of credit early on when the Corona virus came about. I spoke with a banker there who never informed me that branches can not do forbearance or extension programs. As a result of our discussion I was led to believe that the process had started and the loan was put on extension. On the contrary nothing was done and as a result the line of credit fell into a 120 day delinquency. I am in the process of trying to get approval for a mortgage and I have been advised by 4 lenders that based upon the delinquency there is no way I could ever qualify. I have sent disputes in to all 3 credit agencies and awaiting their decision. I  am a retired XXXX XXXX on a XXXX pension from XXXX. I need to qualify for a mortgage in order to down size to a smaller house due to loss of income as a result of Covid. PNC claims there is no proof that a request was put in and are of little help to rectify my credit report. I am not looking for anything other than getting this delinquency removed from my credit report. As of now PNC has escalated the case within corporate for investigation. The reason for my submission to CFPB is to help me in having PNC Bank simply write a letter to the credit agencies and remove error of the 120 day delinquency.
Consumer complaint received 2020-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

To Whom It May Concern ; My PayPal account is being held XXXX and I am in need of assistance. Here are the facts : In XXXX, I placed an order for my fianc for a medication from oversees - the total was {$49.00}. I never received the order and started to call the company requesting a refund. On XX/XX/XXXX, I called and requested a refund. On XX/XX/XXXX, I received an email that a refund was being processed. On XX/XX/XXXX, this company send me XXXX separate payments - not for good, not for services, not for anything other than a refund. 

I then was quickly notified that my account was being held and that all funds would not be available for 6 months. This is not acceptable. I did nothing other than receive a refund from a company being shady. 

I have been trying to relay this information to a multitude of representatives since then and keep getting told that all I need to do is send in the information related to this company, the order and the refund. I have sent everything via screenshots and today was told it doesnt look good for you. Doesnt look good is not acceptable when your company is holding funds that are from a legitimate XXXX  sale. 


Again, I am not asking for anything other than to release the funds that are rightfully mine. 


Sincerely, XXXX XXXX Paypal ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc. (OK)

I filed an unauthorized withdraw from my Cash App card a month ago. And still haven't heard a word.It was for {$130.00} XXXX know the name of the company that is responsible for this.. Also Cash App has shorted my balance by {$100.00}. And they drag out the process of making this right. For days! I mainly would just like to get the word out.To not do business with Cash App.Their customer service is the worst of any. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I move to XXXX XXXX as my marriage is being dissolved. 
On XX/XX/XXXX, the house sells. 
On XX/XX/XXXX, I opened a Money Market account to hold my portion of the proceeds from the sale of my home and transfer money from my checking acct to the new account as a security measure. 
On XX/XX/XXXX, I transfer XXXX from the new account to the checking account for the initial deposit as I open an account in XXXX XXXX with XXXX. 
Within an hour, my Money Market account is frozen and I am locked out. 
Since XX/XX/XXXX, I have called to inquire about my account access. The issue has been escalated half a dozen times and I am told someone from the back office or XXXX will contact me. 
Today is XX/XX/XXXX, and I still have to hear from someone who can address this. Including the assigned XXXX banker named XXXX XXXX as I have been told. 
All I ask is to be given the chance to prove that I am who owns this account and the transactions have been legit.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC claim deposit in my account was counterfeit this check was issued from XXXX XXXX XXXX XXXX for my cousin who was XXXX from XXXX. HSBC dont wan na replace the check because they cant properly tell me where the funds is at. I need documentation that states cgeck indeed was fraud which I know was not the check was XXXX I have also contact the insurrance company that comfirms check was not fraud so I need to know where the bank is getting this information any fraud checks the bank gets a XXXX security form to fill out I will like a copy
Consumer complaint received 2020-09-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc. (TX)

Please note that these folks at CBE Group XXXX may send you letters and call stating they are collecting a debt on behalf of DOD Department of Defense and then when pressed deny this and say it for  XXXX and then want to confirm you address. Watch out for these snakes scamming our military members. They tried to get me to pay by credit card to their XXXX XXXX in XXXX XXXX. Fraud is clearly what CBE Group they are about, shameful! FYI XXXX XXXX XXXX share tips about these sad persons gaining from the uninformed. I hope the CFPB shows some teeth to take these dishonest operator out of business. Just re-state there is no debt owed ; the DOD or XXXX will handle this with no 3rd party involvement! Please show some strength here to help others avoid this snake pit of dishonesty!!
Consumer complaint received 2020-09-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through  this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-09-17
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. (NY)

I'm not used to all this credit stuff but I'm trying my best. I want to do more and I understand that credit is a necessity. I recently sent out a letter on XX/XX/2020 and I have yet to receive a response and it's now XX/XX/2020. That is almost 3 months! I'm sure that work is backed up and I understand but please I need assistance. I sent out a follow up letter to check the progress on XX/XX/2020. I learned that I have rights according to the Fair credit reporting act. You are in violation of those rights because you haven't responded. Please fix the incorrect information on my credit report provided in the letter I sent out.
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

My escrow continues to be short for paying my taxes and my mortgage payments continue to increase as l have to pay off the escrow shortage over the next following year. This has happened every year since l 've bought the house in XXXX. In both XXXX and XXXX l have asked them to review my account to ensure my escrow will cover my taxes. It's an ongoing issue.
Consumer complaint received 2022-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business & Professional Collection Service Inc (NV)

I am not liable for this debt with HOSPITAL COLL SVCS XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I disputed this account with XXXX 3 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said hospital collection services keep saying is accurate and they wont provide them with any verification.
Consumer complaint received 2022-12-22
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)

This is my XXXX endeavor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 on my credit report it has been over 60 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  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-17
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. (TX)

XXXX XXXX XXXX XXXX XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. XXXX, XXXX, XXXX, XXXX XXXX, and Equifax, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Consumer complaint received 2020-09-17
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: AMERICAN EXPRESS COMPANY (CA)

I purchased tickets to a XXXX XXXX XXXX game from XXXX , XXXX, a California corporation. The game was cancelled. 

Per California law, I am due a refund, so I am disputing the validity of this charge. 

XXXX California Code Business and Professions Code Chapter 21. Ticket Sellers BUSINESS AND PROFESSIONS CODE SECTION XXXX XXXX. The ticket price of any event which is canceled, postponed, or rescheduled shall be fully refunded to the purchaser by the ticket seller upon request. Any local jurisdiction may require a ticket seller to provide a bond of not more than XXXX XXXX dollars ( {$50000.00} ) to provide for any refunds that may be required by this section. 

In XXXX 's answer to the California office of the Attorney General, they indicated that I am due a refund, but they do not wish to refund me until XXXX ( see the attachment ).
Consumer complaint received 2020-09-17
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. (IL)

The credit bureaus continue to report inaccurate information after their investigation. Im attaching all supporting documentation with all information so they can stop illegally reporting those inaccurate accounts on my credit reports.
Consumer complaint received 2020-09-17
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. (MN)

Ive carefully reviewed your correspondence and want to let you know my response. 


The reason I asked you to supply a copy of the check or online payment is due to the fact that you stated in your correspondence dated XXXX XXXX that a payment of {$100.00} was received on XXXX XXXX but however you tell XXXX and Experian that you received payment on XX/XX/18 how is this so.? Therefore I will need whatever payment method that you received on the XXXX. 
In your last paragraph in your letter and I do want you to review your response Word for Word as to why XXXX XXXX XXXX does not determine the reporting timeframe you are the burnisher arent you? What a bunch of XXXX. That is exactly why XXXX removed it from there report and I suggest you remove it from XXXX and XXXX and XXXX XXXX XXXX you will respond to this complaint or else Sustain legal action youre reporting is reckless dangerous and incorrect I demand you to remove it XXXX you need to remove it XXXX you need to remove it because youre a violation of the FCRA I request a update credit report with the deletion nothing else! 3 XXXX bureaus reporting different information from XXXX XXXX of a credit how the XXXX this happens??
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Ive carefully reviewed your correspondence and want to let you know my response. 


The reason I asked you to supply a copy of the check or online payment is due to the fact that you stated in your correspondence dated XXXX XXXX that a payment of {$100.00} was received on XXXX XXXX but however you tell Equifax and XXXX that you received payment on XX/XX/18 how is this so.? Therefore I will need whatever payment method that you received on the XXXX. 
In your last paragraph in your letter and I do want you to review your response Word for Word as to why XXXX XXXX XXXX  does not determine the reporting timeframe you are the burnisher arent you? What a bunch of XXXX. That is exactly why XXXX removed it from there report and I suggest you remove it from XXXX and XXXX and XXXX XXXX XXXX you will respond to this complaint or else Sustain legal action youre reporting is reckless dangerous and incorrect I demand you to remove it XXXX you need to remove it XXXX you need to remove it because youre a violation of the FCRA I request a update credit report with the deletion nothing else! 3 XXXX bureaus reporting different information from one XXXX of a credit how the XXXX this happens??
Consumer complaint received 2020-09-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

XX/XX/2020 credit acceptance finance stating I owe XXXX. It should not be this amount due to my car was paid off in a car accident in a finance company is still trying to charge me the interest rate for the next several years. Because it paid off before the years the contract ended.I should not be charged the interest rate.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (FL)

I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX and XXXX XXXX   showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.
Consumer complaint received 2020-09-17
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: EQUIFAX, INC. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 on my credit report it has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 on my credit report it has been over 60 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  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-17
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)

I LOST MY IDENTIFICATION AND MY SOCIAL AND SOMEONE WENT ABSOLUTELY CRAZY. THEY WENT AND APPLIED FOR A LOTE OF THINGS.. I DONT KNOW HOW THEY WERE ABLE TO DO THIS WITHOUT ME BEING THERE. PLEASE REMOVE THESE INQUIRIES, I HAVE BEEN TRYING TO KEEP MY CREDIT TOGTEHR AND THIS HURTS A LOT
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (NV)

I called to inquire about my credit card and was informed that it was closed due to it being over the limit for 5 months. It never shows it was closed, We were affected by COVID-19 yet I never missed a payment. I finally was able to bring the account balance under the credit limit and now the account was closed. I never received anything in writing about the possibility of the account going to be closed. Per the Cares Act, accounts can not be closed unless more than 3 payments are missed. I didn't miss a payment and thus closing my account is in violation of the Cares Act. Please re-open the account and remove any negative reporting that may have been reported to the credit bureaus.