davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2023 XXXX XXXX charged my account XXXX times XXXX and XXXX and XXXX for a total of {$500.00}. I immediately notified Wells Fargo about the fraud and let them know I do not know this company or authorize them. During that same call, the banker I asked me about a XXXX dollar reoccurring payment from XXXX. I told this banker I do not know but since I am an XXXX user it could be something I signed up for. This banker advised me to add this to the claim. I did so. After XXXX weeks, I call and Wells Fargo notified me they refunded me XXXX dollars from XXXX and since there were XXXX  merchants in the claim they are only able to deal with XXXX. They advised me to waiXXXX XXXX  days because they needed to gain rights to get the funds back. But after calling them today they notified me that the case is closed and they are not able to get the funds.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Consumer complaint received 2023-03-13
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (MD)

The company is being non-responsive to my request to close my account. They do not provide a fax number or email address to send a requested signed letter to close my account. When you call customer service, they make you wait 20 minutes for an agent and then pretend they can't hear you and hang up. I have sent numerous secure messages requesting account closure, and they do not respond in the promised 48 hours. I do not want to receive fees for now having a {$0.00} balance and trying to close my account.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I've filed a fraud case with AMEX on XXXX, XXXX 2023 regarding a transaction under XXXX XXXX WA for {$1900.00}. I was initially told the investigation would conclude within 30 days. Well it has been over 37 days and the charge remains on my account. The unauthorized charges have already been reflected on my credit report even though I was initially told that I wouldn't be liable for the amount.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal is not giving me the refund a merchant made to me despite numerous attempts to get my money back. I am filing a complaint of fraud against PayPal On XX/XX/2023, I purchased a refrigerator from XXXX XXXX, using my PayPal account, in the amount of {$750.00} My PayPal account is linked to my XXXX XXXX credit card, which PayPal instantly charges for all my transactions, and which PayPal credits for all refunds On XX/XX/2023, I purchased a refrigerator from XXXX online, using my PayPal account, in the amount of {$750.00} Upon immediate same-day return of the merchandise, XXXX issued a refund to PayPal and provided me the proof of the refund. 
PayPal has, up until now and despite numerous inquiries, not passed the refund to me, claiming it received it. XXXXXXXX XXXX has provided proof of refund. PayPal has provided nothing to substantiate its position, and refused to investigate the possibility of error of misapplication of credit, or contact XXXX XXXX  to challenge the document provided. 
There's no refund and all entreaties have been met with stonewalling and lies claiming " someone will contact me within 24 hours '' on each occasion, Please see documents loaded.
Consumer complaint received 2023-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (TX)

This medical debt is in direct violation of my no surprises act and should be removed immediately from my credit report it is also in direct violation of 15 usc and and 1681 g they are defaming my credit and as a result I have negative items on my credit report please help remove this item from all three credit bureaus XXXX  XXXX and XXXX XXXX.
Consumer complaint received 2023-03-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX 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 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 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (IN)

On  XXXX   XXXX ,    2017  I received a phone call from a debt collection company , Apelles LLC  regarding an alleged debt from  XXXX   XXXX .     I sent Apelles a certified letter on  XXXX   XXXX , which I received confirmation for from the post office, stating that I wanted proof in writing within the 30 day prescribed time limit that I owed the debt in accordance of Sectio n 809 ( b )  of the Fair Debt Collection Practices Act. No proof was ever provided.     It is now  XXXX   XXXX , well after the 30 days prescribed time and I have not received any proof of debt and I am getting phone calls stating that I owe the money?!     I will happily pay the debt should it be verified and I will pay directly to  XXXX  but I have not received any verification of debt at all. In fact, back in  XXXX  I received a {$300.00} check FROM  XXXX  as a refund due to them taking money from my bank account after all items had been canceled.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( AUTO ), XXXX XXXX XXXX ( AUTO ) - DELETE ALL HARD INQUIRES AND COLLECTIONS.
Consumer complaint received 2023-07-17
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: Bread Financial Holdings, Inc. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Conn's, Inc. (TN)

In  XXXX  of this year I purchased a new washer and dryer fr om Conns Homeplus a month later the washer stopped working I called Conns regarding my washer has stopped working it took about a week for them to get a technician to come out to my home, then my dryer stopped working and it took a week to send a technician over to repair my dryer. The technician stated the dryer was fixed. A week later the dryer stopped working again. I called Conns again, and asked if I can exchange the dryer for another one. They stated that the technician would have to come out 3 times and tell them that dryer ca n't be repaired. Conns stated that they do n't have a technician and it 's going to be another week before anyone will be able to come out. I bought a warranty for these products and it appears that Conns does n't want to live  up to the contract. I am so frustrated with this company. What can I do to rectify this issue?
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I opened an AmEx account in XXXX XXXX. AmEx requested I submit to a financial review and submit documents prior to a certain date in XXXX. Several days before that deadline, AmEx closed my account with the reason being I did not provide the requested documents. In the meantime, I earned Membership Rewards points for meeting a spending threshold and for the purchases I made while using my account. I paid my account in full, and I currently have a credit balance. I previously filed a complaint stating that AmEx did not make the MR points available. They responded that they would be available after my next statement closed, which was over a month ago. Despite this, the points have still not been made available. When I attempt to transfer to a MR partner, I receive a message indicating I have no points or cards enrolled in MR .
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

During XX/XX/XXXX, to XX/XX/XXXX, JP Morgan Chase has illegally transferred total of {$8800.00} from our Chase accounts to unknown accounts created by Chase using their XXXX fund transfer device, partially owned by JP Morgan Chase. Attached public information of Chase ownership of XXXX. We did not authorize any of these fund transfers. 

Chase has denied any responsibility for these un-authorized and illegal fund transfers from my account. 

We used Chase on -line fund transfer application XXXX to transfer funds to our employees and contractors. 

To access the Chase on-line site weused our home computer located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Security pre-cautions for our home computer : 1. Our home computer is secured in my home.

2. This computer is password protected 3. We have never saved or stored our Chase on-line log-in Passwords in home computer 4. We have never shared our Chase on-line log-in credentials with anybody else We suspect JP Morgan Chase has fabricated these un-authorized transfer of my funds from my account. 
We request help from CFPB to recover our funds from JP Morgan Chase. 

We have submitted claims with JPMorgan Chase through phone numbers provided on the following JPMorgan Chase officers contacts at our JPMorgan Chase Branch : XXXX XXXX XXXX, Vice President, Branch Manager, NMLS ID : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone Numbers XXXX, XXXX JPMorgan Chase calls almost all the time will go call centers in XXXX and XXXX, and the employees at these call centers will never give any contact identification information, and will ask for account numbers even to take phone calls. 

Chase has denied any responsibility for these un-authorized and illegal fund transfers from my account, and refused to return our funds. Our requests for written denial letters have been declined so far. 

XXXX XXXX XXXX XXXX is a United Statesbased digital payments network owned by XXXX XXXX XXXX XXXX XXXX, a private financial services company owned by the banks XXXX XXXX  XXXX, XXXX, XXXX XXXX, JPMorgan Chase, XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX. XXXX Customer service : XXXX ( XXXX ) XXXX Weekly limit : {$500.00} zellepay.com Parent : XXXX XXXX XXXX XXXX XXXX Founded : XXXX Headquarters location : XXXX, AZ Number of employees : XXXX ( est. XXXX )
Consumer complaint received 2023-03-12
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. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a Revolving account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2015 XXXX on XX/XX/201XXXX XXXX Equifax XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-12
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. (MA)

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 Account XXXX # XXXX, XXXX XXXX : Account # XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX : XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX N.A : Account # XXXX XXXX : Account # XXXX 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 2023-03-12
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: P&B Capital Group, LLC (CA)

In accordance with the fair credit reporting have violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions 15 USC 1666B : A creditor may not treat a payment late for any purposes
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-03-12
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. (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. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

My husband 's Truist bank debit card was charged for a lot more than what was suppose to be. My husband is XXXX to XXXX. He went to a resturanut on Friday XX/XX/2023. When he paid for services the resturanut charged his card for {$920.00} instead of {$92.00} that he was to be billed. Unfortunately the resturanut did not give him a receipt after the charge. It was very busy at the resturanut that night. My husband 's XXXX was also taken for {$1200.00} at the same resturanut and was not given a receipt. My husband also misplaced his XXXX card at the same resturanut and they tried to charge that card for {$350.00}. Thankfully XXXX did not let that charge go through. Why Truist bank let this charge go through is beyond me. We don't have a single charge through our bank for so much money. We don't spend that kind of money. The resturanut is also called XXXX resturanut which makes it sound like its a casino/gambling place. It's not that at all. Gambling and casinos are outlawed in XXXX. It's illegal. I've tried to get our money back from Truist bank and canceled my husband 's card right away but I believe they didn't even try to investigate the situation. Just because we didn't have a receipt they denied us. I called 24 hours after I spoke to the bank about the fraud charge and they had already denied my claim.
Consumer complaint received 2023-03-12
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: Credence Resource Management, LLC (CA)

In accordance with the fair credit reporting have violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions 15 USC 1666B : A creditor may not treat a payment late for any purposes
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXXXXXX XX/XX/2021 EQUIFAX XXXX XXXXXXXX XX/XX/2021 EQUIFAX XXXX XX/XX/2021
Consumer complaint received 2023-03-12
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. (PA)

There are numerous addresses on my credit report. I never gave consent to have my address shared. Especially not my current address. It does not say the name of the entity that placed the address there. I would like all of them removed because they were provided without my consent.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (OH)

BSI Financial is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. BSI has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.