davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX and Wells Fargo pulled a hard inquiry on my credit report. I believe it was for a new credit card. I immediately called each bank and stopped the inquiry and reported it as fraud. 2 days later, XXXX called me and said someone tried opening an account under my name. I immediately said it wasnt me and told them to stop it.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (KY)

Yes I have a car loan through credit acceptance. I have paid on this car loan XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Through the mail. For as I don't trust this company with my bank account. My total car loan for each month is XXXX but every month I buy a money order for {$330.00} which is more than the car loan. I send it through XXXX every month on the XXXX because I am on XXXX and on a set income. They gave me a due date of the XXXX. I called this company and explained to them my situation. While I'm on the phone they are either rude to me a just blatantly lie. One gentleman told me he would up the payment to the XXXX yet when my bill came in it was still set for the XXXX. For the first three months I got no late fee and where I was paying XXXX I was knocked down to XXXX. Well come XXXX they tell me rudely on the phone I was over due. And rudely typed loudly and repeatedly insenuatuing that I need to be quiet. Exact words were " you need to hold on cause I'm explaining it to you. '' Then they was told you guys would be contacted and that's when the lady vigorously and loudly started typing and being very rude. The first three payment came in between 5-6 days and XXXX payment was over 11 days late. When asked why that was the lady rudely applied with the answer that they wasn't the mail carrier and that when the payment are received she can't help or have control on how long they are processes. I have read the reviews on this company and should have read them before the car loan but trusted a dealership would have not set me up with such a rude and hateful company. The reviews that show are true because that's what has happened to me. I need this car but I am terrified that I'm going to pay for this car and they pull another stunt like they've been pulling. I really need help.. 
Thanks
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (IL)

XXXX was cancelled immediately because their store rep, who signed me up, issued my password and gave it out publicly-this is against store policy. its like someone knowing your ATM PIN. I returned the products & cancelled immediately. XXXX still overcharged an additional {$5.00} which I had removed. I wasnt even living at that property.
Consumer complaint received 2023-09-04
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

Subject : Urgent Complaint Regarding Account Restriction and Lack of Assistance To Whom It May Concern, I am writing to express my extreme dissatisfaction and frustration with the lack of assistance and resolution I have encountered while dealing with the issue of my restricted account at Chase. 

My account was inexplicably restricted due to a mobile deposit check from my school, which the bank deemed suspicious and unrecognized. Despite my attempts to explain the situation, I have faced insurmountable obstacles in seeking assistance to resolve this matter promptly. The check in question was part of communications I had received from my school regarding payments, and I trusted these correspondences as legitimate. However, it appears there might have been a misunderstanding or, worse, a fake email, leading to this unfortunate situation. I have spent hours on calls with Chase representatives, tirelessly trying to explain the circumstances and requesting their help in rectifying this issue. Regrettably, the support I have received thus far has been inadequate and unhelpful.I explicitly asked for assistance in removing the suspicious check or finding a way to mitigate the situation, but nobody has shown willingness to help or provide a feasible solution. This situation has caused me immense stress and inconvenience. As a customer, I expect timely and efficient support when facing such critical issues, especially when I have taken immediate steps to address and rectify the problem. I implore Chase to take this matter seriously and urgently. I request immediate action to investigate this issue thoroughly, remove the flagged check, and restore access to my account without further delay. I trust that Chase, as a reputable financial institution, will prioritize customer service and resolve this matter promptly and satisfactorily. I look forward to a swift resolution and an acknowledgment of the distress this has caused me.
Consumer complaint received 2023-11-04
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: EQUIFAX, INC. (WI)

I tried updating my legal name with Equifax following the instructions listed here https : //www.equifax.com/personal/education/credit/report/articles/-/learn/change-update-name-credit-report/ Submitting my dispute online provided the results of them deleting all of my credit history under my old name. This resulted in the loss of several years of Financial History.

I submitted a copy of my SSN, a bank statement, a copy of the legal name court document with both my former name and my new name, and a copy of my Driver 's License.
Consumer complaint received 2023-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

on XX/XX/23 at XXXX central I received an email from " XXXX '' stating : Hello XXXX, Your user account has been successfully created. Your Login Name is : XXXX For security, your password will be provided separately. If you do not recognize this activity or find this email suspicious, please contact help desk at XXXX. Regards, Payment Card Customer Service I received a subsequent email from the same address at the same time with a temporary password. The language was similar. To the best of my knowledge I have no business relationship with fisglobal I called the number, and the phone number requires you to either enter a XXXX digit card number or report a card lost or stolen. There is no option to speak to someone if you find this email suspicious. There are no other options that would allow you to speak to someone. I forwarded the email to XXXX on XX/XX/23 at XXXX central with the following text : " Can yall please provide more information on this email? I called the number as instructed but it asks for a XXXX digit card number. I have a number of cards, but also not real crazy about entering a credit card number without any explanation. The only other option was to report a card lost or stolen, so there wasnt a way for me to speak to someone about why I received this email. I have a card or login with XXXX  but it hasnt been used in a long time. '' They refused to respond.
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy.
Consumer complaint received 2016-10-21
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Braviant Holdings, LLC (TX)

The company BalanceCredit.com took a payment from my bank account on a day that was n't scheduled for a payment. I have n't received overdraft fees yet but I will. 

Their address is here : Balance Credit Attn : Customer Support XXXX, TX XXXX
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have made multiple attempts to get in contact with XXXX XXXX regarding a fraudulent collections account that is being reported to Equifax. Despite speaking with them on multiple occasions and sending letters via certified mail stating that this was not my account, I have not received any resolution. I was assured that they would conduct an investigation into the matter, but I have yet to be contacted with any updates since. This fraudulent account is severely impacting my credit profile, causing me financial hardship, stress, and XXXX. It is also negatively affecting my creditworthiness, and I am eager to have this issue resolved so that I can have an accurate and fair credit report.
Consumer complaint received 2023-06-25
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)

I need your help.i feel l that I am being singled out and possibly being discriminated against by last name XXXX by someone at the Experian credit reporting agency. They saying the my balances are XXXX percent upon my indigo credit card usedge. At which I feel is not true.i have it up upon my wall with the other credit cards account. I call in every month upon my phone every month and I have never A payment. So no someone knowing an envestegation is going on if cross examine my Experian credit report you can see this, the most recent three or for things that - something about a credit ability journey. You already have a complaint from me regarding the small loan that I tried to get from XXXX XXXX XXXX XXXX XXXXXXXX Regarding my finances minivan I don't miss any payments and the van was stolen and then the auto insurance company paid XXXX XXXX XXXX XXXX {$2500.00} dollars. Now the balance is down to {$3800.00}. then, the auto finance company has not reported this new balance. The the XXXX XXXX has another benefit called XXXXXXXX XXXX supposed pay off the remaining {$3800.00} dollars. They will let me know on the XXXX of XXXX. I hope that XXXX XXXX also reports this pay off or what ever they pay. Bless you and I thank you so much and I hope that you can look into Experian and call XXXX XXXX to find out about the reporting of this and also the XXXX XXXX amount of pay off. Please help.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

Seller Beware. This is in regard to an XXXX auction that went horribly wrong- transaction dateXX/XX/XXXX.

On XX/XX/XXXX the XXXX buyer filed a complaint with XXXX stating they did not receive the auction item ; eventhough the package was sent through XXXX with signature required, and XXXX is showing the item as delivered on XX/XX/XXXX.

On XX/XX/XXXX, XXXX  sided on behalf of the buyer and initiated the refund process. In trying to navigate through the XXXX  refund process I inadvertently hit the " accept refund '' button. Hitting this button caused XXXX  to initiate an E-Check against my bank account through their partner PayPal in the amount of {$4000.00}.

On XX/XX/XXXXwe called XXXX   to try to get them to stop the refund, as there was clearly a mistake, and we needed to provide them with more information, as we strongly believed this to be a case of fraud. XXXX claimed they were not capable of stopping the refund, as all the controls relative to canceling or redirecting an electronic payment were on the side of PayPal. According to XXXX they are only the selling platform, and PayPal is the financial institution. We then called PayPal, and PayPal claimed there was nothing they could do, as XXXX had initiated the E-Check payment. We called XXXX back and they told us it was up to PayPal to pull back the funds. We called PayPal back, and they said there was nothing they could do. After getting bounced back and forth between PayPal and XXXX we called our bank and filed a dispute to stop the payment. Our bank launched an investigation and settled the dispute in our favor.

On 4/11/18 PayPal responded to the stop payment from our bank and returned the funds. Later that same day they issued a refund to the buyer in full ( {$4000.00} ).

We continued to work with XXXX  and PayPal to rectify this injustice, and on XX/XX/XXXX we provided the results of an internal XXXX  investigation showing the buyer received all items associated with the auction, to include copies of signatures and tracking details. We continued to be bounced back and forth between XXXX  and PayPal, as each continued to point the finger at the other as the party capable of providing some relief for the potential fraud. At this point there is absolutely no resolution, and PayPal is coming after us for the full amount of the refund they sent to the buyer.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-11-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Upon reviewing, I see that Credit Acceptance Corporation had hidden fees in my car loan contract. I tried to tell them after purchasing the vehicle but less than 1 year later they repossessed my car due to impossibly high payments that were not the original terms. I explained this in person when I went to pick my car up after having it repossessed. They didnt care. I tried to keep up with my payments but they raised my payments a third time, I know now I should not have allowed them to do this. They repossessed the car right after I came home with my XXXX  and after that I just stopped trying to keep that car. This company has violated me. I was XXXX XXXX XXXX paying over {$500.00} a month for a used car for two years. The car shouldve been paid off but on my credit it says I owe over XXXX which is not what I signed to purchase the car for.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (FL)

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 repair these inaccurate items in 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
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (OH)

I received a Wells Fargo Active Cash Visa credit card in the mail. 
This happened a few days after being on a website and suddenly receiving XXXX SPAM emails. I deleted all the emails. 
2 days after receiving the credit card, I received a statement form Wells Fargo. 

I did NOT orally request a credit card from Wells Fargo. 
I did not request a card in writing. 
I DID NOT fill out an application for any credit card. 

They claim that I received the card because the used a credit report from XXXX. 
I did not authorize any credit report from anyone! 

I saw many reports that said Wells Fargo has a history of illegally sending unauthorized, unsolicited credit cards and that they have been fined in the past. The fines didn't seem to matter?
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (FL)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 XXXXXXXX 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 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Paypal Holdings, Inc (CA)

I submitted a credit card application for the Paypal XXXX XXXX on XX/XX/XXXX. 

I received a notice in the mail around 2 weeks later that I was denied due to fraud concerns ( I opened a few new lines of credit around that time ). 

I called Paypal to ask about when I can reapply to the card. They advised me to call XXXX XXXX. 

XXXX XXXX  mentioned that I can re-apply 30 days after I was originally denied. 

I tried reapplying 61 days after my original application, and I am still greeted with a " Sorry, we can't offer you this card right now '' error message. 

I called PayPal, who mentioned that they did not control the eligibility of when members see this screen. 

They transferred me to XXXX XXXX. I escalated at XXXX XXXX mentioned that they did not control when members see the application form on Paypal 's website. 

I called PayPal again to ask about when I can re-apply. At first, they mentioned that I can re-apply 30 days after the original application. Once I mentioned that it's been 61 days, they mentioned that they are not sure when I'll be able to re-apply. 

The lack of specificity in their replies leads me to believe that they do not have a policy that mentions when denied applicants can re-apply again. This is concerning and may not provide equal opportunity to applicants that were denied in the past.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (MA)

In accordance with the Fair Credit Reporting Act, these creditors has violated my rights.

Under 15USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on credit card account under an open end and consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.