davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I made a purchase on The XXXX XXXX 's website and opted to use the payment method via PayPal. At the time of purchase via the PayPal option, I was asked to select which card I would like to use ; that is linked to PayPal for this purchase. The card I choose was not the card PayPal used to render my purchase. I was informed that the card I choose was not accept ; however, it was linked, confirmed and verified. And I was informed that I need to setup a specific card with any merchant to the card I would prefer to use when using PayPal ; which I stated, " if that is the case, why when I purchase from a specific merchant and paying via the PayPal option why am I given an option to select which payment method I would like to pay if I have to setup a specific card to a specific merchant? '' Furthermore I was told if a card is not accepted at the time of purchase PayPal automatically select another payment method. I asked where did I consent to this and why would this be the case if my card I choose was linked, confirmed and verified. The Supervisor pointed me to this legal jargon on the PayPal website, " If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable ( for example, because it is expired or has insufficient funds ) you authorize PayPal to charge the backup payment method in the following order, if applicable : 1. Balance Account ( if one is linked to your personal account ) or balance in your business account ( if weve been able to verify the required identifying information you provide to us ) ; 2. Bank account ; 3. PayPal co-branded debit card ; 4. PayPal co-branded credit card ; 5. Debit card ; 6. Credit card ; and 7. E-check. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable. To help minimize disruptions in your automatic payments, we may update your payment method information associated with such automatic payments ; see Link or Unlink a Payment Method. '' My payment method is well was available as I just deleted this information from PayPal. I will never use this merchant for purchase ever again. I have a recording as well as emails to confirm all dialogue and processes that occurred. 
Thank you for your time and expertise ; as I am sure this can affect has affected many of the financially unfortunate especially during these economic times. The purchase amount was {$1800.00} ( washer/dryer ) which I cancelled with The XXXX XXXX ; however, the funds were deducted ; pending/ on hold, from my bank account. I have to wait until the cancellation process fully processes and PayPal is made aware of the cancellation from The XXXX XXXX.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (TX)

I closed a credit card account on XX/XX/year> with AMEX and the balance was {$0.00} on that day. 2 months later they reported me as a delinquent account with a {$3.00} balance that didnt show on date account was closed. Now my credit score dropped significantly and they said theres no way for them to fix it on their end.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

On XX/XX/ at about XXXX XXXX EST, my bank account with Chime was compromised. My phone number was changed to ( XXXX ) XXXX XXXX and I was no longer able to access it. After the change in phone number, I was notified through email that {$1000.00} had been sent to another Chime member XXXX XXXX, whom I don't know. Spoke to Chime regarding the issue of someone trying to gain access to my account about 2 weeks ago because I was getting random security code texts. Was told by Chime not to worry and my money was secure. What a joke! I tried to warn them and they allowed my account to be compromised anyway! Now I have to wait 60 days before money that is MINE is returned to me.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (IL)

Between XX/XX/XXXX and XX/XX/XXXX Chase has waived a monthly {$12.00} service fee for my checking account. 

However in XX/XX/XXXX they were unable to waive the fee due to excessive waivers. 

I downgraded account so it's XXXX/month. Or waive it completely until I find stable employment. 

Please force them to waive the {$12.00} monthly service fee for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the XXXX for XX/XX/XXXX and XX/XX/XXXX. 

I understand it takes a couple of statement cycles for it to be in effect.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my 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 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I spoke with XXXX at Experian Legal Department today. He stated he will dispute an address which is removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX WA XXXX. 

I have not supplied proof under the doctrine of estopper by silence, Engelhart v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX, my mother XXXX XXXX XXXX passed away. She left no will and basically no real assets ( XXXX acre of property in XXXX, Ca. desert with an XXXX XXXX XXXX XXXX XXXXXXXX on it. ) She has $ XXXX in her checking account for my brother ( XXXX XXXX XXXX XXXX and myself, XXXX XXXX XXXX XXXX pay her final expenses with and bills. We were aware that she had some debt, credit cards, etc. She died suddenly without a will, she had one at one time, which she shredded when my youngest brother passed away from alcoholism since she sold the items named in the will and she said it was irrelevant. She had only XXXX children, XXXX had passed in XXXX. That left XXXX and myself, we called the bank, and they told us to bring her death certificate and our ID 's and they would close the account. We went to the bank with the requested items and they refused to assist us and told us to call a number which we did. One that call they stated we would need a court appraisal of her property in XXXX, Ca. and probate. Our attorney said we needed no probate as she didn't leave any assets worth a probate cost. We received quote for a court appraisal in the amount of $ XXXX {$4000.00}, money we sure don't have. Bank of America already put us in dire straits just paying for her final expenses and we were forced to have her cremated ( {$3000.00} ) against her wishes, rather than buried, because they refused to release her funds to her only XXXX heirs. It was also commented to us that she owed Bank of America some credit card charges. We told them to take the money out she owed and issue the remainder to us so we could pay things and taxes due on her property which is worth less than {$40000.00}. They have to this day refused to issue our mother 's money to us. My brother, XXXX XXXX XXXX committed suicide on XX/XX/XXXX. I am the sole remaining heir. I really fail to understand why they wanted an appraisal on the old mobile and property she was living in with me at the time of her death, it is my home and remains my home to this day. As a XXXXXXXX XXXX XXXX  senior myself, I don't have money to have lawyers and take them to court or even pay for a ridiculous appraisal of my home. What can I do to have these funds released to me? I feel they were stolen from us at a time when we needed to pay her final expenses and it created a terrible hardship on us. I will provide documentation as/requested. The bank took copies of everything.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I have several accounts on my credit report specifically with Experian that are being reported without my permission. I have made multiple requests, and Experian has not deleted/removed these accounts. The details are as follows : Under 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) 15 U.S.C. 1681b 15 U.S.C. 1681i ( 7 ) these accounts are in violation of not reporting 100 % accurate : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX, XXXX  Date Opened : XX/XX/XXXX balance : {$590.00} XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX  XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXX XXXX / XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. For the past seven months, I have asked for proof of verification along with the original contract with my signature that validates these accounts, as required by law. Neither Experian nor the creditors have provided these documents, surpassing the 30-day legal requirement for such validation. This constitutes a violation of my consumer rights. I request Experian to either present the original contracts validating these accounts or initiate a reinvestigation, compelling the creditors to provide the required documentation. This is a legal mandate, and the accounts should have been deleted/removed by now. Given the extended time frame, no dispute or investigation is deemed complete unless the original contract with my signed signature is presented by either the creditor or the credit bureau. I demand that these accounts be removed/deleted or verified immediately to rectify this clear violation of my rights.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (TN)

About 9 months ago I applied for a credit card. They sent me a letter requesting identity verification documents. I sent the requested information. A copy of my driver 's license and social security card. They never replied with a denial or approval. I submitted a new application today XX/XX/year>. It was denied because of the previous application. Yet, they never completed the previous application. Nor are they able to provide information as to why.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/24 i went to a XXXX dealership to lease a new vehicle and i was surprised with XXXX different hard inquiries on my credit report from banks i never authorize to get a copy of my credit.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing with the intent of having specific information removed from my personal file. The details of the items I am seeking to have deleted are outlined within the accompanying report. Unfortunately, I have been subjected to identity theft and wish to clarify that the charges in question were not incurred by me. In the interest of ensuring the accuracy of my credit report, I kindly request the prompt deletion of these items. 
For further credibility to my claim, I have reported this identity theft incident to the Federal Trade Commission. Enclosed, you will find copies of the affidavit provided by the Commission attesting to the identity theft. I appreciate your swift action in resolving this matter. I have attached my ID and Social Security Card to Verify my Idenity.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX - Account Number XXXX ). I did not give authorization to this creditor to open this account. I contacted the creditor and was informed that they could not find this account in their system and that the account has since been purged from their system. I have never resided in the state of Missouri. I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with nine inaccurate late payments that continues to hinder my credit profile. 
This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX - Account Number XXXX 8 late Payments- Your assistance this pertinent is greatly appreciated, XXXX XXXX
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 from my credit report it has been over 30 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, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. The accounts below all have inaccurate reporting dates and amounts between the bureaus. ACCT NAME : XXXX XXXX ACCT # XXXX AMOUNT {$1700.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. ACCT NAME : XXXX XXXXACCT # XXXX AMOUNT {$400.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.In Accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2023-12-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. 
I previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-04-20
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. (NY)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX and list of Inquiries. 

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.