davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

My wife passed away in XXXX someone has tried to hacked her email and all accounts associated with it. One of which was PayPal so I attempted to shut it down .Paypal recommended I also shut down mine a well and start a new one so I did. After working with them for over a month to shut down my wife 's account. They said they needed a photo Id of her and other info to finalize the shutdown Because of the hacking I said no! 
The next day they locked down my new account demanding I furnish them my photo Id and proof of residence bank routing no 's and other information that in my opinion would open me up to being hacked. I did not have to furnish this information to open the account. 
I have {$480.00} left in the account I can't access or have sent with out meeting their demands
Consumer complaint received 2018-10-16
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: Porsche Financial Services, Inc. (CA)

The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a XXXX in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function XXXX. My condition was so bad that I could not manage my finances. Due to my XXXX   state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HF Holdings (OH)

I am not liable for this debt with XXXX XXXX nor do I have a contract with HF Holdings XXXX, Date Opened saids XX/XX/2023 in the amount of {$1100.00}. They have not provided me with the original contract as requested nor have i ever had an contract with them to begin with.
Consumer complaint received 2023-07-24
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. (PA)

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 2022-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

A friend transferred {$50.00} to me using the Cash app, owned by Square. She looked me up using my email address. I had an account with Square using my email address. 

When I logged into the app with my email, the app asked me to verify my identity using a code sent to my email. I did this successfully. The app then asked me to enter a debit card number to verify my identity. It asked for a debit card number from many years ago when I initially set up my account. My debit card number had since changed, so I no longer had access to it and didnt know the number. 

This seems a very silly way to verify an identity. Peoples debit card numbers can change and its not something people usually memorize. 

Their in-app, chat-based support then led me on a wild goose chase of creating a new account, trying to merge these accounts, etc. 

At the end of the day theyre telling me they cant help me. Meanwhile my friend is out {$50.00} on her end. Im out {$50.00} in my end. And their support team is telling us the transfer doesnt exist even though money was deducted from my friends account.
Consumer complaint received 2018-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (FL)

My wife and I attended University XXXX XXXX online for our XXXX studies. I attended XXXX University online for my masters as well. These schools I believe misrepresented me with their offers of a good education that would enable me to get the level of education and career I was looking for. Needless to say I stayed in my current career because the degrees did not amount to anything on paper. 
Because of the lack of increased pay, we had trouble with the repayment options. We have had numerous loan servicers over the course of graduating with my XXXX. Nelnet, XXXX, XXXX to name a few. When I informed them we was struggling, deferring, forbeance or combining the loans was always their answer. I believe I have made only four payments in the last five years because of the options they kept giving me. The lack of guidance and tactics I believe were confusing and misleading. Now the debt has ballooned to over 80 thousand dollars due to fees and interest and I have no other option ( other than deference that I know they would still give me ) and the payment is way to high for me to handle. Although I have these degrees on my wall, they are of little value and now I have to pay for it the rest of my life. Our credit scores will suffer for years because of this and my wife still hasn't finished acquiring the worthless degree
Consumer complaint received 2018-10-18
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: JPMORGAN CHASE & CO. (AR)

On XX/XX/18 I received an email from Chase about a suspicious charge on my XXXX XXXX VISA card in the amount of {$490.00}. I immediately contacted Chase to confirm that the charge was fraudulent and they removed the charge, cancelled my old card number and issued me a new card. 

AT THIS POINT, I THOUGHT THE MATTER WAS COMPLETELY SETTLED. 

However, the charge of {$490.00} reappeared on my XXXX statement. When I contacted Chase again, they said they put the charge back on my account because a package linked to this charge was shipped to my address. 

Again, I informed them that I did not make this charge and never received any packages. I also informed them that someone set up a fraudulent XXXX My Choice account linked to my address and this time, mostly likely, to intercept the package. I have a police report to document this. 

In spite of this information and repeated calls made in an attempt to settle this matter, Chase refuses to remove this fraudulent charge.
Consumer complaint received 2018-10-16
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: DISCOVER BANK (CA)

The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX  who sustained severe injury following a fall in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function mentally. My condition was so bad that I could not manage my finances. Due to my emotional state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company
Consumer complaint received 2018-08-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (VA)

AES services my private student loans. I have been out of work for the last year, and have been struggling to make payments. Now the situation is, Im still actively applying for jobs and looking for work, but without an income I can not even make good faith payments. AES has applied all the options they can is what Im told. I am then encouraged to find someone I can borrow money from in order to at least make good faith payments. I do not have family or friends that can add my bill to their life while Im trying to find work, and its absurd to encourage people to borrow money from others. There needs to be options for people who are out of work. I can not control how quickly I am able to find a job. 

I would like to avoid being sent to collections, so an option to help until I find work would be nice.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MA)

Hi thank you for your time. I applied for Discover it Student card on XX/XX/XXXX. When I was applying for it, Discover it never listed what kind of the address proof documents they accept. The result is, after my application, I was asked to provide immediately the proof of address I don't have. They only accept limited kind of documents and I don't have all of them. I have contacted them to discuss whether they accept other official government-accepted address proof, but I was rejected chillily. Also, I discussed with them whether they can extend my application, so I can apply for the exact document they required. But I was rejected again, chillily. They said they will decline my application unless I provide my address proof right now. And I was told that my credit points was already affected, because after my application, they pull my credit report immediately. They really should list what kind of documents they accept before the application. I lost my credit points for nothing.
Consumer complaint received 2018-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (SC)

On XX/XX/2018, I attempted to make a {$300.00} cash deposit at the PNC Bank ATM on XXXX XXXX, XXXX, SC. The ATM was down for maintenance, and the branch office was already closed. As I have an automatic draft that is submitted on the XXXX of each month, I was attempting to make this deposit to cover this check. As the PNC owned ATM was down for maintenance, I went to the next closest ATM, a XXXX XXXX ATM up the street, as the next closest PNC Owned ATM is in XXXX, NC. The cash deposit showed up into my account as a pending deposit. This deposit did not clear until XX/XX/2018, resulting in two overdraft charges of {$36.00} each, a {$3.00} ATM usage fee, a {$3.00} Balance Inquiry Fee and a {$7.00} continuous overdraft fee. I have filed a complaint with PNC Bank on, and I was informed by their Money Management department that the fees were correctly charged to my account since I chose to use a non-PNC owned ATM to make my deposit, and my claim was denied.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NY)

I noticed an 'alert ' that there was a NEW credit INQURY placed on my credit reports on XX/XX/2018. This information was reported by a Company called CREDCO. 
I contacted CREDCO on XX/XX/2018 at XXXX. I spoke to XXXX at Credco to let her know that I DID NOT authorize any credit check on my account. I was told by XXXX that the request was made by XXXX XXXX XXXX. I explained that I had NO Business with XXXX XXXX XXXX, I did NOT AUTHORIZE any transaction of credit from XXXX XXXX XXXX. XXXX told me she would issue a dispute. I NOW receive a letter dated XX/XX/2018 from CREDCO on XX/XX/18 indicating " our client XXXX XXXX '' ordered your credit report through Credco that contained credit info based on each of the NCRA 's. We contacted XXXX XXXX XXXX XXXX and informed us that it accessed your credit report pursuant to your verbal authorization connection with a mortgage transaction '' I NEVER authorized XXXX XXXX to run a credit report, I HAD NO MORTGAGE transaction current with XXXX XXXX, the last MORTGAGE I had was over 10 years ago in the year of XXXX This is preposterous VIOLATION of the FCRA , and I also called XXXX XXXX at XXXX, who gave me the run around. PLEASE look into this wrong full credit run from CREDCO.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

Debt collector falsely reported that i made a payment of XXXX $ to keep my account active. Maybe to restart the clock on when it is inactive? 

The company who owns the debt is iq data international
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT XXXX which has been deleted by XXXX XXXX XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion removed this account off my report From XXXX XXXX XXXX XXXX And now it has been posted back on my credit report. Illegal action 'credit aging ' transunion need to remove this from my credit report and it needs to stay off my report. It has already been removed!
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ECMC GROUP, INC. (CA)

XXXX  has been non-compliant with removing the unverified account ECMC which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that ECMC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-10-16
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. (CA)

I have two collection accounts in my Equifax credit file which I have disputed five times with Equifax. The same collection accounts I have disputed with XXXX and XXXX XXXX and after investigation these two bureaus blocked the two fraudulent collection accounts from my credit file. But Equifax did not and Equifax advised me for five times that the collection company verified that the two collection accounts belong to me. I have contacted the collection company and it advised they have requested from all three major credit reporting agencies to remove the two collection accounts due to identity theft. But Equifax still reporting them in my credit file by damaging my true credit worthiness. 
Equifax is the worst company ever ... I don't have any other method to fight with Equifax to get fraud accounts to be removed from my file. 
Please help.
Consumer complaint received 2018-08-25
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. (TX)

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors Equifax already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XX/XX/18 XXXX : :XXXX  XXXX XXXX XXXX Credit Report Hard XX/XX/18 XXXX/XXXX XXXX/XXXX Credit Report Hard XX/XX/18, XX/XX/18 XXXX/XXXX  : :XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX   XXXX XXXX, : : XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18 EQUIFAX XXXX  XXXX : :XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18, XX/XX/18 FACTUAL DATA : :XXXX XXXX XXXX  XXXX  Credit Report Hard Equifax Hard XX/XX/18 XXXX XXXX XXXX XXXX Credit Report Hard
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-10
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-07-10
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. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Mortgage XXXX Acct # XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

16 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take any consumer report containing the following items of information, other than records of convictions of crimes which indicates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.