davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I have been a Chase customer for almost 10 years. My activity with them has always been incredibly normal and transparent. On XX/XX/2023, my account was restricted and I was asked to call the bank. After I called, they mentioned ( in a recorded line ), that they had decided not to continue doing business with me, that my account would be closed within 10 days, and that my funds would get to me through a check 10 business days after that. They mentioned that they would not state any reason for my account closure, but that I had done nothing wrong. I waited for weeks and had been calling to see where my funds where, but nobody could ever give me a definite answer. This wait has caused immense financial strain and mental anguish, as I have run behind on car payments, credit card payments, medical bills, and all of my everyday expenses. Finally, I decided to open an investigation through the Chase Executive Office last week. As I called today ( XX/XX/2023 ), I was now given an entirely different version. They said that my account is being investigated but they could provide no details, no timeframes, and no reason for the investigation. This is absolutely surprising for me, as I am a business professional who has a W2 XXXX job and a small venture creating product unboxing videos. All of my activity is absolutely clear. Now, I have {$10000.00} retained, which represent all of my savings, and have been put to incredible financial strain due to this. I definitely do not deserve this treatment and I am asking for a prompt resolution to my situation from Chase.
Consumer complaint received 2024-03-14
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)

I am a victim of fraudulent information reporting and I am filing this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

XXXX XXXX allowed someone to fraudelently open an electric account in my name. The person didn't pay the account and the balance is up {$310.00}. It was the charged to Mercantile Adjustment Bureau. I want this removed from my credit.
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THESE INQUIRIES IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX THESE INFORMATION IS INCORRECT, PLEASE VERIFY THESE ACCOUNTS 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 2023-09-06
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 (AL)

Dear PayPal XXXX, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email : XXXX ). I believe this action may have been a result of a misunderstanding or error. 

I want to emphasize that I have always strived to comply with PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action against my account. I value the trust and integrity of the PayPal community and would never knowingly jeopardize that. 

In light of the above, I kindly request PayPal to reconsider and reinvestigate my case thoroughly. If any discrepancies are found or if there has been any misunderstanding, I request that my account be reinstated. The ability to use PayPal is essential for my financial transactions, and its suspension has caused considerable inconvenience. 

I genuinely appreciate your attention to this matter and kindly ask for a prompt review of my account 's limitation status. I look forward to a fair and just resolution that would allow me to continue using PayPal for my financial needs. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2024-03-14
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. (GA)

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 : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a 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.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I applied for the Save Plan 10 weeks ago ( on or around XX/XX/XXXX ). Switching plans would bring my student loans down to XXXX because my salary is currently low. After about a month with no traction ( and no communication ), I saw on the website that my loan payment remained the same amount it used to be. I called Nelnet to see what the hold up was, they assured me it was processing and I just needed to wait. That was the beginning of my arduous back and forth with Nelnet. Over the following weeks, I proceeded to call them five more times ( most with 2-3 hour wait times on hold ). 

Each time I called, the loan servicer told me the same thing. It was " processing '' and it was nothing to worry about. They couldn't give me more information but assured me the line was just long to get approved. They couldn't pass me along to someone else for one reason or another. They told me to continue to wait and it would be handled. 

By the time late XXXX rolled around, my interest started accruing. With my first student loan payment due XX/XX/XXXX, I became more nervous that this wasn't getting solved. I called several more times ( waiting nearly 3 hours every time to talk to a loan agent ), who told me the same thing : it's still processing and they don't know why but there's nothing they can do. When I asked for an administrative forebearance, they said it was impossible. I would be responsible for making payments and interest despite this being the fault of Nelnet. By their own account, they've told me there's no reason the approval of my application should take so long, but can't give me any more information. I believe they are acting in bad faith to get more money out of me. Regardless, their ineptitude should bare the responsibility of my payments and interest ( which has accrued to over XXXX dollars already and counting ). 

Friday XX/XX/XXXX, I insisted to speak to a higher-up, but was told no one was likely to answer. My agent assured me she would call me again the following Monday at XXXX AM. No call ever came. 

There has been no earnest attempt by Nelnet to solve this problem or direct me to someone who can, despite my repeated attempts to do so. This is causing me great XXXX, stress, money, and time ( I've spent nearly 15 hours on hold now with no solution, and have had to take that time during work hours ). I can not afford my payments but have now been pushed into a corner -- pay them or go into forbearance which would jeopardize my ability for my loans to be forgiven in 20 years ( as confirmed by a student loan agent over the phone ). I have no other ability to get this solved and have advocated for myself in every way possible, but Nelnet will not assist me.
Consumer complaint received 2023-10-23
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 have been going over my credit report I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-10-23
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC (AZ)

An account was created XX/XX/2023 for a company called XXXX using my credentials including my social security number. The company Jefferson Capital contacted me and said I have a debt of XXXX. I gave the company all my information including my email address. They gave me an email address that's not owned be me which is XXXX. Someone used this email to create an account and purchase something through XXXX.
Consumer complaint received 2024-03-14
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. (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 XXXX 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 2023-04-19
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. (TX)

I have sent the credit bureaus a letter months ago informing them of the inaccurate information they are reporting. The account XXXX XXXX should be deleted from my credit immediately because it was purchased by another lender, and they are already reporting the account as a collection. Experian and XXXX are committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. Please delete this account from my credit report within 15 days.
Consumer complaint received 2023-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (NY)

* I enrolled for biweekly mortgage payment for this mortgage ( initially was monthly 30 years fixed ) * I got an official amortization schedule for Wells Fargo, which detailed the exact timeline for the extra principal payments ( given the loan is now paid biweekly rather than monthly, I will have specified biweekly payments which will go towards principal. Specifically, each month in which there are 3 biweekly payments, 1 of them should be fully used to decrease the mortgage outstanding amount ).

* Since then, Wells Fargo has failed to apply the appropriate extra biweekly payments to principal - contrary to the same official amortization schedule they had sent to me * I called them in XX/XX/2023 ( that was the first month in which one of the extra biweekly payments should have gone to principal ). After spending lots of calls and time, they recognized the error and adjusted the account. 

* However, I have now called them again just to make sure that in XXXX we do not have the same error / problem again ( XXXX is the next month in which the extra biweekly payment should go to principal ) and they said no. Again, that is against the very same official amortization schedule they had sent me, so that is an illegal practice ( never have I seen a mortgage provider disrespect the official amortization schedule they share with a customer? ) * I spoke with several escalation managers, but they do not provide you with name / contact details/ emails- all you have is a phone number that you need to spend hours on with. Either way, I submitted an official case with them ( I wanted to provide them with an opportunity to redeem before escalating to CFPB ), but all they did was to ignore the issue and say I can not do anything about it. 

* As a single small consumer, I feel I am being scammed and bullied, and the fact Wells Fargo is not providing me with emails and contact details of actual managers who could solve the issue is unacceptable * As a consumer, I should put full trust in them and what they do- and yet I had to uncover the issue and the problem myself by going in detail through all the accounts payments. I have no faith in them anymore- and to be fair they as an organization are not new to such predatory behaviors against small consumers
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (PA)

I have 3 complaints toward PNC Bank.

1. My primary complaint relates to them closing my credit card account without my permission. The card ended with XXXX. I called once because PNC owed me money ( card had a negative balance ) and an agent on the phone said they would credit my checking account with those funds. No discussion or permission was made around closing out my card once it had a XXXX balance. They did this WITHOUT CONSENT negatively impacting my credit score as this was my oldest line of credit. I need this reinstated with that initial date as they closed in error. 
2. Did not receive XXXX gift card from credit card points redemption. This should be for {$100.00} and I received no mail or email after requesting. 
3. XXXXl customer service and problem resolution. I have been trying to work with PNC on this. I filed a complaint on XX/XX/XXXX and no one has explained anything to me yet. My complaint was escalated on XX/XX/XXXX and I got an email on XXXX from XXXX XXXX. I sent her three emails for an update without reply ( XXXX, XXXX, XXXX ) and called on XXXX and left a message. On XX/XX/XXXX I emailed and called again and pressed " XXXX '' to speak with someone else, explained my circumstances and he said he would give info to XXXX who was still not reaching out. I heard nothing so I emailed on XX/XX/XXXX before finally hearing from her on XX/XX/XXXX. She had not spoken to the person who I spoke with on XX/XX/XXXX and had no information. I did not hear anything from her so emailed again on XXXX, she called me later that week and said they were " looking for the initial call '' and would get back to me. I have not heard anything, so I emailed her again today XX/XX/XXXX and am filing this now.
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MT)

When I applied I was under the impression that the loan had an interest rate of 10 %, however the 10 % is charged on the balance of the loan after each payment.
Consumer complaint received 2024-03-14
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXXXXXX XXXX  Account Number : XXXX - Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Muskegon Car Credit, Inc. (MI)

Hi, Pursuant to 15 USC 1692g ( b ) I sent a Notice of Dispute on XX/XX/XXXX to Orbit Leasing , Inc. notifying them that I was disputing the alleged account they have on my consumer report for the amount of {$6900.00}. I then sent out a Debt Validation Letter, along with a Cease and Desist on XX/XX/XXXX. It is XX/XX/XXXX and I have yet to receive a response from this company. I do not owe them, and will not pay for this.
Consumer complaint received 2023-10-23
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. (LA)

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. 

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 has violated my rights. Or a 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.
Consumer complaint received 2023-10-23
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: CAVALRY INVESTMENTS, LLC (DC)

CAVALRY PORTFOLIO SERVIC did an unauthorized credit check on my XXXX report. This Account Review Inquiry is unrecognized by me. It's fraud, I don't have no account or did any online credit application. 

This matter needs to be addressed right away.
Consumer complaint received 2017-05-07
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. (NJ)

The data showing on my  XXXX  account states : " {$10000.00} from  XXXX  to  XXXX  and {$500.00} from  XXXX  to  XXXX  '' for the credit limit. This is incorrect for the {$500.00}, the account was closed with a {$10000.00} limit.     This was previously disputed with the credit bureau and a second attempt was unsuccessful online with an error message.