davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

Friend paid me via friends and family option in PayPal. Two transactions on XXXX in the amount of {$10000.00} each. When the funds hit PayPal account a fee ( {$290.00} for each transaction ) was charged. I immediately ( within 2 minutes ) refunded the money and called PayPal to indicate a mistake had been made. They processed both refunds and refused to refund transaction fees. They indicated a XX/XX/2019 change of terms was emailed to users indicating a terms of use change making all fees non-refundable. I never received this notice and believe this is an unfair consumer practice.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian 's website is complete garbage when trying to freeze or unfreeze a credit report. 

I spent time online trying to figure out if my report was frozen or unfrozen in its current status by trying to freeze or unfreeze but it would fail and tell me to mail my information to their office. Physical mail for this is outdated as its not needed for XXXX  / XXXX. 

I tried calling them multiple times. Sometimes the line got cut. Many times, I got transferred around. Eventually, I was able to reach someone who tried freezing it and ran into errors and said to call an hour later. I called again later and they were able to freeze it. I asked them to kindly wait on the line while I try adding a temporary unfreeze window on their website as I have had issues with the website and they said they can not wait and hung up. 

I tried unfreezing it temporarily online afterwards and again, it did not work - it asks me to mail my information to their office. 

In general, their online website is garbage for figuring out if your report is frozen or not and for actually freezing / unfreezing it. Their phone support is quite garbage too because they redirect you a lot and do not seem actually interested in ensuring the consumer is satisfied ( they would not wait for me to try a temporary unfreeze online which takes ~1 minute ). 

If you want to use the lock feature, I am sure it works well ( so using locks instead of freezing ), but you have to pay them ~ {$10.00} a month. 

In general, experian feels like an evil company that could use some reform, especially with their website and freeze functions on the site. 

All of this occurred over the course of XXXX to XXXX.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

On the XX/XX/23 JP Morgan chase closed my account to protect my account against potential fraud and they would mail the balance of my account to me in XXXX days. This never happen and the keep telling me they can not give me more information and will not give me my money of XXXX.
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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. (GA)

Hello, I have credit inquiries that I have asked to get removed from the credit bureaus and to no avail they have not been removed as yet. To my knowledge I did not authorize these credit inquiries to be on my report. 

The following are a list of those inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ( 3 times ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also have a collection account from XXXX XXXX that was sent to XXXX XXXX XXXX, this was resolved with XXXX but is still showing on my report I have asked for this to be removed as well and to no avail it is still showing on all XXXX credit bureaus. 

Please help me to get these removed they are hindering me from repairing my credit.
Consumer complaint received 2023-12-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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 an account without my written instructions.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (CA)

I was having a cell phone dropped on XX/XX/XXXX, and the screen is shattered, I want to use my uber visa signature card cell phone protection insurance to pay for the repair of {$300.00}. 

Upon calling the card customer service I was provide the guide to benefit and phone number to call benefit admin with XXXX, they filed a claim on my behalf and the claim number is XXXX, I submitted my proof to eligible documents which are : phone bill and statements that I paid for these phone bill using my uber credit card for the past whole year. 
After 3 weeks I getting a denied says : " According to our records, you claim was denied since the benefit did not go into effect untilXX/XX/XXXX of 2019. '' This cell phone protection benefit was there before and not start from XX/XX/XXXX according to my benefit guide, after that I called multiple times both with Barclay and this insurance company, they kick the ball to each other : Barclay says any claim decision is belong to the insurance company and insurance company says this date is provided by Barclay. 

Oh their website of benefit change ( https : //www.barclaycardus.com/apply/action/handleFile? id=ub4ProductChangeFAQ ) the specifically says that : " If you have already set up your total monthly wireless bill to be charged to your Uber Credit Card, you may continue using your cell phone protection benefit without interruption. " This clearly not the case, my eligible claim was interrupted and been denied on both sides to help me forward.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had health insurance at the time and therefore these costs were covered and there should not be any outstanding balance due. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to remove these items however, I have not been successful.
Consumer complaint received 2023-01-22
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. (UT)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Siggi LLC (AL)

I have reviewed my credit report and saw numerous of inaccuracies on my report. Omni financial are reporting several inaccuracies to begin with monthly payment {$170.00} with XXXX and $ 0 monthly payment with XXXX and XXXX. How is it I have a balance due when I had monthly payments of {$0.00}. Also, the balance and past due amount for XXXX is significantly different from the other two credit bureaus. Date of last active for XXXX is significantly different from the two, reporting XX/XX/XXXX whereas the the other two are reporting XX/XX/XXXX! That is totally false being nearly a year apart! Not only that the date of last payment has inconsistencies showing XXXX XX/XX/XXXX while the other two XX/XX/XXXX. To conclude my review if a company does a charge off they are to send a XXXX which the company failed to do so. 

I would like this account removed from my credit for violating my rights and publishing false information on my credit report.
Consumer complaint received 2023-02-21
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. (UT)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX XXXX Account XXXX : XXXX Please update- All New Reporting Information to- paid as agreed and current 14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX BANK Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (NC)

I've been charged XXXX every month since I've opened the account, and when I asked the representative on the phone call when I opened up the account last year, she stated I wasn't suppose to be charged. But I kept being charged.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX marked my loan as greater than 30 days past due, reported my account as delinquent to credit bureaus, sent my account to Collections, and assessed late fees. At the time this occurred, my account was less than 30 days past due. Per their own policy, I should not have been reported. I ultimately made the payment within 30 days. When I pointed this out to them, they acknowledged it was incorrect, but refused to take any corrective action. This also affected my Cosigner. My cosigner asked them to verify that there was no affect on credit score in person and XXXX  said there was not. They lied to my cosigner in person, and they lied to me in writing, and then refused to correct or even to inform me on how I could correct. I would be happy to provide writing, phone recording, and affidavit from cosigner.
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MA)

This was a legitimate collection account. The debt was originally with XXXX  and was assigned to Midland Credit Management and was being handled by their attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH phone XXXX Account # XXXX. Original amount was {$3800.00}. This account was settled over the phone on XX/XX/2021 for {$2700.00} by my attorney XXXX XXXX XXXX XXXX MA phone # XXXX. It was paid for over the phone immediately. Despite being settled, XXXX XXXX obtained a default judgement in the XXXX MA XXXX XXXX on Thursday XX/XX/XXXX Docket number XXXX. 

To obtain this judgement post settlement is at best poor communication ; at the most unfair deceptive and abusive. XXXX XXXX is not returning calls to my attorney. My attorney will be filing a motion for the judgement to be set aside but the judgement was unfair. 

Your help is appreciated.
Consumer complaint received 2021-11-10
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. (IL)

I've sent disputes to Experian regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Experian to delete from my credit report for inaccuracies : 1. XXXX XXXX, Account Number : XXXX 2. XXXX, Account Number : XXXX 3. XXXX XXXX, Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX XXXX, Account Number : XXXX
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. REVERESE MY PAYMENT HISTORY I  NEVER BEEN LATE ON MY REPORT IT SAYS I WAS LATE XX/XX/2019. 
1. Other information I would like changed XXXX  XXXX Account Number : XXXX I was never late 2. Other information I would like changed XXXX XXXX  XXXX Account Number : XXXX I was never late 3. Other information I would like changed XXXX XXXX   Account Number : XXXX I was never late
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. REVERESE MY PAYMENT HISTORY I NEVER BEEN LATE ON MY REPORT IT SAYS I WAS LATE XX/XX/2019. 
1. Other information I would like changed XXXX  XXXX Account Number : XXXX I was never late 2. Other information I would like changed XXXX XXXX XXXXXXXX Account Number : XXXX I was never late 3. Other information I would like changed XXXX XXXX   Account Number : XXXX I was never late
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I wrote to Experian Credit Reporting agency to update and correct my Personal information on my Credit report XX/XX/2021. I sent them via certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ), they still are reporting inaccurate personal information on my report. Address ID # XXXX and ID # XXXX are inaccurate and need to be deleted from my report.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

On a regular basis the company picks and chooses how deposits and pending payments and withdraws go thru causing lots of fees and wasted money. This happend to me all between XX/XX/XXXX and XX/XX/XXXX they gave me a one time waver of the over draft fee but it happend more than once they would take money out from transactions I made after I recieved my direct deposit but instead they cleared the charges first gave me a over draft fee with many transactions then cleared my direct deposit
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax is reporting information that consumer opted out of which violates FCRA and the Privacy Act of 1974. 

On XX/XX/XXXX, consumer sent the following email to the furnisher, XXXX XXXX XXXX : Per the FCRA, as a federal protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you written, unwritten, verbal, and non-verbal, per 15 USC 6802. This includes furnishing information to any credit reporting agency.

The furnished reviewed and advised consumer is unable to opt out ( see email attachment ). The furnished claims they reviewed the request and that they are reporting accurately. This was not requested, opting out was the request.

The furnished is in violation of the FCRA and the Privacy Act of 1974. 1016.7 reviews opt out information.

15 US Code 1681 n and o discuss noncompliance. At this time the furnished is willfully not complying with consumer request which is causing damage to the credit report and infringing on privacy.