davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (OH)

Im writing this letter to apple card support to get this situation squared away once and for all I have three open disputes going with apple card support at this time one is for dispute number XXXX XXXX from XXXX another one for $ from Home Depot dispute number XXXX XXXX and another one from {$170.00} from XXXX dispute number XXXX XXXX XXXXXXXX I have been going round and round with apple card support to try to get these disputes resolved with no luck I keep talking to different people and getting different answers from every person that they bounced me to. XXXX keeps telling me that that I was refunded for the {$240.00} the XXXX and the XXXX when I look at all my statements going back to XXXX I was never given any kind of credit for those three transitions but yet apple card keeps telling me that the merchant gave me a credit and thats why they were moving the provisional credit that they gave me I have sent documentation showing that none of these tranzations was ever credited back to my account Ive gotten all my statements from XXXX all the way to the present its showing that nothing was ever credited at nowhere there doesnt it say credits for for {$240.00} one XXXX or $ now as far as this {$180.00} thats in question from Home Depot the issue was I placed an order back on XX/XX/XXXX form Home Depot they unfortunately Home Depot took the money out but then some of the items werent available they cancelled my order I had to go and I had to reorder the items and they double charged my card but they never refunded the {$180.00} Home Depot said that they canceled the order and they refunded it but they never did and I sent documentation over showing that .Ive uploaded since documents several times via e-mail and a couple of times on the apple card app itself to send this documentation over and havent heard anything back so Im I sending them in the mail. the complete statements that I have starting from XXXX of XXXX to the present unfortunately apple card chose to terminate my card on XX/XX/XXXX  so I have not been able to use this card at all to make any purchases and the following credits are not there they do not show up at apple  keeps saying the reason theyre denying my dispute is because I receive credit which I did not when I talked to somebody back on XX/XX/XXXX the person I spoke with then said that they were gon na have somebody give you a call back which nobody ever did because they said that I had won these disputes but they had never put the credit back on the account so I need to get this situation understand if theres a card plus balance then how do I get the money from apple since my account is closed regardless because I won one of the disputes of {$290.00} I did win that my apple card i re openrd up these dispuites a couple of days ago. You keep.asking for the same information i keep giving it to you.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

Invoice Number : 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 {$450.00} Payment method Online Payment Status Processed XXXXXXXX XXXX Paypal, Inc All rights reserved Paypal XXXX XXXX XXXX XXXX XXXX XXXX Paypal XXXX United States XXXX 
I called them and they tried to get my information. Some one is scamming using my email and paypal accounts
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

My account has been locked for over XXXX XXXX XXXX  XXXX  months with over XXXX $ stuck on my account.Ive beeen sent an email letting me know I was permanently banned for no real reason and have to wait XXXX  days to retrieve my funds, but thats too long Im not rich by any means and that money is really needed. I havent been able to get any help from customer service or live chat after numerous attempts this is my final option so hopefully this can help me get my fund back please. 

MY EMAIL ON FILE FOR VENMO IS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (MS)

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

XXXX : US DEPT OF EDXXXX - XXXX, has violated my rights. 

Experian : US DEPT OF EDXXXX - 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. 

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 2018-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

In response to my complaint # XXXX about AES, in which I maintained that I NEVER signed ( electronically or otherwise ) a federal loan consolidation application and promissory note in 2005 and from whom I asked for documentation proving their allegation that I did so, they responded to you ( but not directly to me ) that any documentation of proof I requested repeatedly is " UNAVAILABLE. '' Now, XXXX is threatening seizure of federal and state tax refunds to offset the now {$30000.00} allegedly owed by me. It seems to me that the notion of " burden of proof '' is upside down here. I maintain that I did NOT electronically sign the consolidation document in question and further asked for documentation pertaining to the original loan. How can a person prove that she did NOT sign ( electronically or otherwise ) a document that bears no signature, contains numerous mistakes and missing information? It should be quite easy for a reputable company to provide proof of such a signature. My dispute with AES and now XXXX has gone on for almost two years, with no relief or even reasonable responses. Please help!
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (LA)

I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon reviewing my credit report, I have discovered multiple hard inquiries that were made without my consent or knowledge. These inquiries are negatively impacting my credit score and I kindly request that they be removed immediately. I have not applied for credit or authorized any inquiries from the aforementioned creditors on the specified dates. These unauthorized hard inquiries are not only inaccurate but also have the potential to harm my creditworthiness and financial reputation.
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (TX)

I am currently working with a debt consolidation company. I just started working with them on XXXX XXXX. I contacted Western Shamrock Finance Service to let them know that I was working with Beyond Finance. I have also given them a number to contact them. And I told them the debt will be handled but it takes time and to continue to call the number. However they continue to call me and my references daily, although I have told them that they need to contact the number that I gave them.
Consumer complaint received 2023-07-21
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my ANOTHER 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 items : XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

XXXX. VENMO asked for my personal banking credentials TWICE, once through an online interaction and once from a representative of VENMO that I called. I had considerable monies in that bank and did not give it. They acted as if this was normal. This is very risky and they should NEVER ask this. 

XXXX. They show me VENMO transactions that my adult son makes. I don't know if he can see my transactions as we don't talk much. This should not happen. 

XXXX. Lots of spam from them and they make it very difficult to get any meaningful support. The said I got some money from my brother and I can't receive it now. Am working with them on it but extremely painful to access any customer support by them.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted previously my claim but accidentally put name of friend I was on the phone with while I was typing! Putting correct name on document and its updated! Over 30 days ( 45 actually ) from the day I sent to the day I submitted to the CFPB!
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my Credit File. The references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2021 Balance : {$680.00}
Consumer complaint received 2023-04-29
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. (NJ)

I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. Experian, XXXX and XXXX XXXX has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NJ)

I received my XX/XX/XXXX statement and they decreased my credit limit by {$1000.00}. I called and spoke to credit XXXX she said you have HIGH BALANCE and it is reason they decrease my credit limit. 

They did similar action on XX/XX/XXXX and XX/XX/XXXX, my initial credit limit was {$12000.00} in XXXX when opened credit card account. But they going to decrease, decrease again and again cause my credit score and Utilization Ratio effect this is discriminatory credit actions. Because no other credit card company did before even I opened new credit cards in last year.
Consumer complaint received 2023-09-05
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. (CA)

To whom it may concern, In accordance to the fair credit reporting act my right have been violated 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2. A consumer reporting agency can not furnish an account without my written consent 15 USC 1666B. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose I am requesting all late payments to be removed from my credit reports but especially late payment that is on my credit report regarding a late mortgage payment.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JPMCB is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JPMCB, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and JPMCB whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JPMCB Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.