davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit 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: Self Financial Inc. (OK)

I have a self XXXX credit card account I only use the account to pay bills and to buy my things at XXXX I have XXXX XXXX XXXX XXXX  years worth of statements to prove this this is my second account with them in XXXX years anyway XX/XX/XXXX I was awoken to a fraud alert which I immediately called my card company and in that process canceled that card and had another XXXX shipped to me it was XXXX online purchases to XXXX XXXX which I'm not a drug addict I don't buy things like that never have never will and all my credit card statements for XXXX XXXX XXXX XXXX years show that I can not obviously get the account for the XXXXXXXX XXXX XXXX XXXX years before that anyway I even offered to take a state blood test to prove that I don't take these items and at that time my credit card company did hold or suspend that payment I received my new card in the mail on XX/XX/XXXX the very next day the XXXX payments from the XXXX XXXX was posted to my account causing me to go negative on my credit XXXX account I immediately called the company again and they said that they verified with the company that I had made to purchase my town has had XXXX and XXXX of news reports and things on credit card skimming from XXXX and other places and I told these people that I did not make that and they should know I've been with them for 5 years and nowhere on any of my statements does it show any kind of activity like that and that I would show them proof with a blood test from the police department or anywhere they said the merchant proved that I made it by giving my information and they will not suspend this transaction while they are looking into it again I tried to call the company that it says I was billed to and in XXXX the name it brought up over XXXX phone numbers I started calling them out of the first XXXX that I called only XXXX of them were actual numbers which I left voicemails at but of course no response I even asked my financial institute self for the information that they had to get a hold of those people they would not give me that information and then they say they've sent a mail out to me for closing out the first time I have received no case numbers to check on or anything about this and no help from my institution that I've had for XXXX years I can not afford {$200.00} in fraudulent charges on my account right now I can't even pay my bills because my account is in the negative which everything that I've read says if there's a dispute they must suspend that amount until the dispute is over with anywhere from XXXX to XXXX days
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

This company by the name of Jefferson is reporting on my credit report, I have disputed this account multiple and it keeps coming back verified without sending me the information I requested.I have never had an account with this company and never gave them permission to report on my credit profile I have request a debt validation letter and a contract and the company will not provide that I would like a debt validation letter and a contract with my signature and a 1099 something. I have noticed multiple violations on my credit report from this company as well, along with their unpredictable reporting. I never have never done any type of business with this company. And will also be suing for defamation of character.
Consumer complaint received 2022-12-20
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. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 2023-12-13
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING THE LETTER WAS DELIVERED I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX-XXXX  made on XX/XX/2023 in the amount of {$390.00} XXXX submitted this dispute within XXXX  days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. 
ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING THE LETTER WAS DELIVERED
Consumer complaint received 2023-12-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Management Services, Inc. ()

I was wrongfully charged by XXXX XXXX back in XX/XX/, and submitted Disputed Request. They ignored me, and then, forwarded a {$28.00} bill to the Credit Management Services for collection. The case with XXXX XXXX is still in dispute and I have contacted them numerous times to no avail, starting a lawsuit against them. 
I contacted this Collection Agency : Credit Management Services on XXXX XXXX, XXXX. The lady first fooled me into getting personal information. First, she asked for my birth date, which I provided un-suspiciously! Then when she asked what phone number to contact you, I figured it's their tactic to get enough information to be able to ruin my credit with the credit bureaus! When she figured that I am asking not to continue and I won't pay until the dispute is resolved with XXXX XXXX, she simply hung up! 
I am very worried that Credit Management Services having my birth date on their file, then will cause a lot of damages to my personal well-being, finances, and other damages I can think of. 
As a very minimum, I am requesting them to stop, and remove my birth date from their records.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account is showing a late payment which is not true. I have always paid all my debts on time, and this late payment error is damaging my credit score. XXXX is not correcting this error.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (KY)

I am writing to Complain the misleading and responsibilities of the PNC Bank. 
First of all, the Bank misled me to use two accounts for my business credit card and answer my inquiry that the two are for the same account. So I have only paid attention to one of the accounts with all my transactions and the successful receiving of the monthly autopay, but without showing me the late pay charge on this account. They only show it in another account and the bank statement which is sent later. As I have already seen my online account that the auto pay is received so I feel safe that I havent checked other records It also misled me to set up the auto pay at the due date of the statement and charge me the late fee just one day after the bank received my auto pay. Why charged me a late charge after receiving my auto pay? Why no late charge for the first two months as I have set up the auto pay date since my card was issued?

I was confirmed by not only one staff member a few times total after I called a number of times that the auto pay date set up is correct and they even confirmed to me that there is no more late charge and will refund me one months late charge, but then they charge late fee again and charged me 4 months of late charge in total .They even denied that they have any of that kind of conversation record. 
The bank even does not accept any written complaint by mail or email The Bank refused to be held responsible for the above few deception and fake confirmation that they have made and refused to refund customers after a long time of complaints and negotiation.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (VT)

For several years now, I 've been unable to view my Experian credit report online at AnnualCreditReport.com. The website provides no information regarding the reason for this ( e.g., whether there 's a problem with my application, or perhaps they 're just doing server maintenance, etc. ), so there is no way for me to take action to correct the problem. 
They do provide a way to request the report by mail, but I need a soft copy to store in the computer. 
I 've found several other people in online forums who have the exact same issue ( and no problem at all with the other XXXX credit agencies ). For your reference, I 'm attaching a screenshot of the now all-too-familiar denial screen. 
One gets the impression that Experian wants people to " become members '' at their own online service, for a fee. 
Is there a way to require them to explain why such online requests ca n't be processed and provide users a pathway to resolve the problem? 
Thanks for all you do.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

My personal information that I need on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX any other names or addresses are not accurate and need them removed
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report.

Wells Fargo has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.
Consumer complaint received 2023-12-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (AL)

I was looking at my credit score and noticed it had a derogatory remark from XX/XX/XXXX  in the amount of {$17000.00} from Rent Recovery Solutions XXXX XXXX XXXX XXXX. I discovered it on XX/XX/XXXX  and notified all 3 credit bureaus that this was identity theft and I did not have any outstanding rents, nor did I take out any type of lease or rent any property. I have owned my own home in XXXX, AL for 8 years and someone has clearly stolen my identity.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

Please provide evidence that I have negative balance.. if I share address with someone that must be my neighbor.. but why do I have to suffer for what my neighbor did.. I have moved from one house to another in recent years so youre telling me that if someone living there commit an offense I will be the one to suffer for it.. as far as I know I dont have any negative balance under my name.. so you cant just because I share address with someone you will now debit me because I share address with someone thats ridiculous.. please refund my money.. please provide evidence that you claimed under the name XXXX XXXX that I have negative balance.. it must be with my name please.. if its not with my name then its not me.. I cant suffer for someone misconduct because we share the same address.. dont give lame excuses I wont stop this until I take you guys to court.. youre making me losing my life if I commit suicide I will label its from PayPal.. refund my money dont XXXX my money for yourself because I share address with a roommate or neighbor or someone that lives there before.. so far its not with my name you cant because of address and put someone misconduct on me. 

Email associated with my PayPal account is XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2023-09-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VT)

This debt was settled and paid. then they sold it to a new collections company, XXXX XXXX XXXX. This debt is not owed. I C SYSTEM can not collect the money from me, then sell it again.
Consumer complaint received 2023-12-13
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-02
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting in alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF inquiries THAT I WANTED TO REMOVE 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 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Movement Mortgage LLC (SC)

XX/XX/XXXX I've contacted Movement Mortgage Bank with the request of PMI removal according to the fact that home value increased. I received a form and I've paid the cost of home valuation. XX/XX/XXXX, at XXXX XXXX, I was contacted by the agent who should perform valuation, with the access request for the time frame ( XXXX ), this request was denied because of inappropriate scheduling and the time frame. The visit was rescheduled for XX/XX/XXXX, at XXXX. At the valuation visit the agent walked around our home and took multiple pictures of our house inside and outside. I want to point out to your attention that the agent took a picture of our XXXX daughter while she was sleeping, this fact was discovered only when we received the valuation report ( XXXX XXXX ). As a parents, we were very concerned about this issue, I asked to delete the image from the report and all sources of storage of the information ( electronic, paper ) by the Movement Mortgage Bank and all contractors or subcontractors of it. 
On the third week after the valuation visit, XX/XX/XXXX at XXXX I had requested the information about results of valuation, unfortunately I did not receive any feedback, so I had sent another email XX/XX/XXXX at XXXX XXXX, in feedback that was received was attached just a PDF copy of the valuation report. XX/XX/XXXX at XXXX I had received an official letter, valuation report and PMI valuation dispute form with the instruction stating that valuation can be contested in 60 days from the valuation date ( XX/XX/XXXX ). 
I've supported my contestation with the valuation report which was made by independent Broker in Charge ( please see attached files ), and I also disputed the comps that was used by the Movement Mortgage agent : Sale 1 : House from XXXX, is approx. 6 month from sale, and there are newer more valid comps available. 
Sale 2 : House was sold also 6 month ago, and it is XXXX bd and XXXX bth there are comps that are more like subject home than this one ; Sale 3 : is XXXX story, subject home is XXXX story ; Sale XXXX : Is new construction under contract but not closed ; Sale 5 : Is new construction under contract but not closed ; Sale XXXX : Is an active listing. 
In response for my dispute XX/XX/XXXX, I had received denial, main argument was " subject of valuation is backing on the XXXX XXXX XXXX ''. I had disputed that, providing the information from the XXXX XXXXXXXX XXXX  map and all other information. 
Unfortunately, I still don't have any feedback.
Consumer complaint received 2023-07-03
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

PayPay, using foreign agents, keep requesting my past info to verify & give access to my account. I keep giving accurate info but they say it isn't correct. Refuse to let me speak to any US reps to resolve my online access issue. I don't know if my account is closed, hacked or still operating. Requested physical mail statement to my residence but they hang up on me due me stating I will report them to authorities for not helping.