davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (FL)

PayPal is managing everything and not releasing information. XXXXXX/XX/XXXX is on the leash with PayPal. There is no separation between the two. No phone calls are returned to me. Everyone is reclining on information. The purchased of the bike is XXXX it is the wrong size, it is the wrong color. I'm XXXX ' XXXX '' .. I got a bike for a XXXX ' XXXX '' person and Im not going to make a mistake like that. By PayPal return policy it's an automatic refund. A return label ( PayPal ) was given by merchant an it was not recognized by XXXX what I called XXXX. I know PayPal has been the merchant all the way. PayPal did not issue me an ( knowingly ) order ID number either needed by XXXX. After 14 days PayPal comes with a settlement of {$30.00} to ship the package. That to me is " extortion. '' I've been battling 40 hours on this issue for 2 weeks. Consider someone's time please. Still the bank refuses to issue refund. Immediate firing of the bank personnel shall be imminent. XX/XX/XXXX so calls " general department '' the claim center. And no one can talk to a claim center representative. Also the removal of PayPal employees should be considered. No joke they have hired " grammar School employees '. I do not believe XX/XX/XXXX employees do not have a high school education. I would like an immediate refund. This has been a laughing matter. This is a humiliation at a bank level and at a federal level. I was a process server and retired. I had a money market from the XXXX XXXX XXXX. And yes I am a member of the family.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Experian has failed to investigate or respond to an initial dispute within its 30-day timeframe regulation. In addition, they have continued to utilize stall tactics to avoid addressing the issues with the items identified in the original and follow-up dispute. I have sent several copies of my SSC, Valid ID, and utility as a means of identifying myself with the dispute. At this point, I would like the incorrect, inaccurate, and unverified items on my Experian credit report to be DELETED. This has become ridiculous and a hassle and I need this matter to be resolved immediately! I have also attached identification to this complaint and my previous complaint and nothing has been done! According to the Fair Credit Reporting Act, According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' However, I have already sent the required identification proving that I am representing myself and need the INACCURATE, INCORRECT, ERRONEOUS, and UNVERIFIED items originally disputed ( XXXX XXXX and XXXX accounts ) REMOVED/DELETED! I will be forced to take further legal actions if this is not accomplished.
Consumer complaint received 2023-01-02
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. (NY)

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 XXXX bank XXXX XXXX. 
XXXX XXXX bank XXXX XXXX XXXX XXXX 
XXXX card XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In also XXXX XXXX XXXX and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
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 2020-12-16
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: DISCOVER BANK (TX)

This account with transunion ( XXXX XXXX XXXX ) and derogatory account with XXXX  ( discover financial services XXXX  ) is false and misleading my credit report. Youve sent me only bank statements as proof of validation. That is not legal proof that is stated in the FCRA. Also you sent me a envelope with you logo on it which is a {$1000.00} fine. An because your attempting to collect a debt that is against the law. Also stated in 15 USC 1681b you can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Stated in 15 USC, reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. Also you sending me a letter with your logo on it will result is a fine from $ XXXX {$1000.00}. Thats three offenses. The congress also stated that any authorization or approval of a specific extension of credit directly or indirectly should be excluded from your report. Also during your investigation did you conduct personal interviews with any of my neighbors and family or associates? A consumer has right to privacy so since your reporting this information its infringement against my privacy. 15 USC 1692b states that no debt collector can state that I owe any debt. Thats a {$1000.00} fine.
Consumer complaint received 2017-05-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

1 ) I have Different balance amounts that are on my credit report.
2 ) Also I have late payments of 90+days being reported when they should 've been covered under forbearance or deferments I always applied for those when I was unable to pay.
3 ) I do n't know if the interest rate is changing but I can never   catch up to paying my balance off yet alone down.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Several years ago a vehicle was incorrectly listed on my credit report. All 3 reporting agencies : XXXX, XXXX & Equifax, refused to report it accurately as the lender stated that it was correct. This has made it impossible for me to rent or get a mortgage for over 5 years. Recently, the lender reached out and sent a letter of apology and a cashiers check to make up for their error. I sent this letter to the credit reporting agencies, and they still refuse to remove it from my reports. This is not only scandalous, it should be illegal. I want XXXX XXXX account removed, in its entirety, from all of my reports. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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. (FL)

I am writing this letter in order to inform you officially about identity theft. I had a good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. I do not recognize these accounts in my credit report now. The fact that numerous accounts are suddenly on my credit should make it obvious that these accounts are not mine and never were. Please remove these accounts from my credit report.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting an account ( TJX # XXXX ) that should be removed from my credit report, as I have been removed from the account as an authorized user and not responsible for this debt. I have enclosed a letter confirming this information, along with my verification.
Consumer complaint received 2024-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PNC Bank N.A. (OH)

My wife and I applied for a home equity line of credit with PNC Bank. During the process, PNC required an explanation of our prior history of late payments on a previous mortgage. My wife and I submitted an explanation anround XX/XX/year> that included an history of our daughters significant XXXX XXXX XXXX XXXXXXXX XXXX and major XXXX complications. We explained how my wifes inability to work during this period in order to care for our daughter contributed to our previous financial problems. 

In mid-XXXX  XXXX, were initially told that we were applying for a home equity loan of around {$100000.00} at a 9.5 % interest rate ( 1 % above the prime rate ). 

After we submitted the prior late payment explanation, we were advised that we made it past the financial considerations. No additional information was submitted. A week or so later, PNC advised that would only give us a {$46000.00} home equity loan. 

I spoke to PNC and agreed to move forward with the reduced home equity loan. A few hours after the closing appointment was made, PNC called me, and, for the first time, informed us the rate on the home equity loan was 4 % higher, or 13.5 %. 

We previously filed a claim with the CFPB, on the basis that PNCs change of rates after the closing appointment was made, was an unlawful bait and switch. PNC has yet to respond. Their response is due on XX/XX/year>. 

After the complaint was filed, I requested copies of all communications between PNC and myself, including recordings of all telephone calls to help demonstrate my claim. PNC has refused to provide this information unless I issue a subpoena. In informed them I can not issue a subpoena unless there is a court case or the CFPB initiates an administrative action. 

After further reflection, PNC unlawfully discriminated against us because of our daughters significant XXXX XXXX  issues ( previous XXXX XXXX  ), by raising the interest rate on our loan, based on the health care information we provided to them. Because they viewed us as a higher financial risk because of our daughters health care history, PNC unlawfully raised the interest rate on our home equity loan ( on XX/XX/year> ) after we confirmed the closing appointment for the following Monday, XX/XX/year>.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I made my payment through XXXX XX/XX/XXXX. I was told that there would be an update to the credit bureaus. After I told them XXXX was not showing payment, I was told another credit agency had the account due to XXXX selling it. I have submitted the paid in full letter multiple times.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (DC)

XX/XX/year>, I sent an indorsed securities registered mail to Chase via the address listed in their prospectus located on the SEC website, under EX 4.R.2 4 ( see attached ). As an opportunity to cure ; Chase has now defaulted. 
Chase has asserted that they can NOT locate the securities that was signed for at their office on XX/XX/year>. 
I have provided Chase with the registered mail number and advised them that it was received on XX/XX/year>. 
Thus, Chase has lost the securities but has not discharged the debt according the UCC Article 1and has committed securities fraud. Additionally, per Chases prospectus under the replacement of notes states that they must cure. 
I have also attached the mailing address from Chases filings that correspond with the registered mail I sent ( see attached. ) Chase has committed mail fraud and securities fraud in which I will notify the federal agencies if Chase does NOT discharge the debt due to negligence
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NY)

I spoke with a rep. of Macy 's Department Stores about resolving the error in reporting my payment to the credit bureaus and explained that it was not my fault that the balance of {$86.00} XXXX? ) was not paid on time. This balance was a Macy 's XXXXmerican Express Card account, which was offered to me by Macy 's because of my excellent record with their Store card. 
In the thick of the Coronavirus pandemic in XX/XX/2020 all stores were closed in the XXXX XXXX XXXX Metro area and so I could not go to any store to pay this balance. I called several Macy 's stores around to see if they had skeleton staff to receive payment by phone but no one picked up. I went online to see if I could pay but even Macy 's system did not work. I sent an email from their website to inform them that I could not pay because even their system was not cooperating. Macy 's sent me an email from their secure message box that they will send me an email when their response was available, see attached. They did not get back to me again and Macy 's stores were still closed until much later in XXXX XXXX. 

I received a statement in XXXX that I had a late balance and I quickly paid. Even the late fee was written because Macy 's stores were still closed in New York for months to come. I later received a letter in XXXX ( attached ) that I had been reported to the Credit Bureaus for paying more than 30 days late. I called and tried to explain to them what happened and that it was not my fault because coronavirus pandemic made all stores to be closed in XXXX XXXX Macy 's  website did not function properly and that I had a letter to prove it. They turned the telephone request down. 

On XX/XX/2020, I sent a registered letter to them attaching documents, viz., email letter from Macy 's (  attached ) and excepts from CARES Act 2020, and up till now I have not received a response. The last time I spoke with Macy 's, XX/XX/2020, I was told I will have an answer within a month but none has come. 

I had built my credit to an excellent level and had never had a late payment. And to have a late payment in the current coronavirus pandemic tarnish my image would be unfair particularly when it was not my fault since I had made attempts to pay within the payment period. Now I have taken a hit of more than 30-40 points in FICO. I would like their decision to be reversed.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United PanAm Financial Corp. (MA)

Dear Credit Bureau / UNITED AUTO CREDIT CO Account # XXXX Im still shocked that you continue to report this above auto loan account into my credit, and you failed to truthfully verify & investigate this account thoroughly. I just include a screenshot below that shows several inconsistencies, misleading, incomplete information on it. Its my understanding that the consumer laws clearly state that information on individual credit reports needs to be reported 100 % accurate and it needs to be 100 % verifiable. As you can see the information below, its not 100 % of either and its reporting misleading and incomplete information. Therefore, its impossible that you verified. Actually, XXXX deleted it immediately from my credit because of these several violations that I pointed out below and I demand that you DELETE it from my credit as well. Its causing this account to illegally re-aged, which is a violation under the provisions of FCRA, and therefore, it can not be reported on my credit report. For example, The HIGH CREDIT BALANCE is different between the 2 credit reporting agencies ; one reports {$9300.00}, and the other {$4300.00}. Its my understanding that the HIGH BALANCE on the charge-off account needs to be higher than the actual balance but not in this case and it needs to be reported. Again, this account is in violation of my consumer rights and it needs to be removed from my credit report. It unverifiable and its reporting incorrect, inaccurate, misleading, and incomplete information. Its completely inconsistent!
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for XXXX
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

i filed a dispute several months ago and i have not received any correspondence regarding the dispute of a debit card transaction dated XX/XX/2020 in the amount of {$29.00} from a vendor named XXXX  XXXX. The bank has not resolved this issue and unable to see any progress on the case when i call. Case number is XXXX
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Im very frustrated and confused as to why I still have inaccurate late payments being shown on my XXXX XXXX. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a XXXX customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called Experian on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, Experian, and XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX  states  30 days late on XX/XX/XXXX but XXXX and Experian state OK - XXXX  and Experian are reporting correctly. 
- XXXX  and Experian states 30 days late on XX/XX/XXXX but XXXX  states OK - XXXX  is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!