davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NM)

I paid on XX/XX/XXXX my American Express credit card bill and enclosed a letter saying to please close my account. I did not want to pay the {$190.00} renewal fee. A month later I received a bill for {$190.00} plus interest. I called American Express and cancelled the card. A month later I received a bill for {$190.00} plus late fees and interest. I called again and was told I can only cancel by telephone, not in writing. No correspondence in writing allowed! It was to late to wave the fees when I called since it was late. I asked why I owed money on a card I do not own. 
They said over/over they can do nothing. 
Since then, my credit score has been dinged for non payment and I owe over {$260.00}. 
American Express on XX/XX/XXXX sent me a letter! I was being told my card would be suspended. What card?? 
I called XX/XX/XXXX and talked " the very highest Supervisor ''. I offered to pay the {$190.00} and wave the fees. I still do not know why I owe at all. I have no card. Again since I have no card, sorry. I will be turned over to collection
Consumer complaint received 2021-06-12
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX
Consumer complaint received 2021-06-12
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. (AZ)

Experian is reporting a collections that is not mine. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
{$370.00}
Consumer complaint received 2018-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

On Wednesday, XX/XX/XXXX, I transferred {$1100.00} via Western Union to a friend in XXXX ( name, XXXX XXXX ). The transaction Tracking Number is XXXX. Western Union charged a {$15.00} fee, as well as taking a profit on the currency exchange of approximately 5 %.

I made the transfer based on Western Union 's representation that the funds would be available to the transferee in " 1 to 2 business days. '' The funds were not available in 1 to 2 business days. It's now been 3 full business days and the funds are still not available.

I called Western Union to ask about the status and get a refund of the {$15.00} fee since Western Union did not perform as promised. The agent I spoke to lied to me ( she said the funds " are now available '' when they are not ), that it was " not possible '' to refund my fee, and then said she was transferring me to " the department that can help you. '' She then transferred me to a dead line. I was courteous at all times during the call, but would not accept answers from the agent that were obviously false.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Neon Newco Corporation (GA)

My Pal closed my account for no reason. I live in GA and my ex husband got a hold of my debit card and used it. I called Pay Pal to let them know and I was the one that was punished even though I had a divorce decree stating he has to pay me back. When I tried to remove my funds they closed my account. I have XXXX money and in need of the XXXX they will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2017-01-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (NJ)

Account Number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I reported a complaint to the CFPB back on XX/XX/XXXX regarding XXXX, XXXX and Experian reporting an account that did not belong to me from XXXX XXXX XXXX under account # XXXX. I sent in the police report and identity theft report with that dispute. XXXX and XXXX deleted the account but Experian did not. This account was filed under identity theft and I demand that it be removed immediately, Experian should be following suit with XXXX and XXXX. This account does not belong to me. My rights are being violated by them not following suit with the other bureaus. I demand action please immediately.
Consumer complaint received 2018-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I had made 2 payments to a receiver the first one for {$970.00} and the second one for {$110.00}. The second payment went through fine but the receiver said that the first one was listed as unauthorized and that they couldnt access the funds. I was then received an email from Paypal stating that I reported my payment as unauthorized and that I set up a dispute caseit even stated that I made a comment about it being a spoof claim. I did none of these things. And because a dispute case ID was created in error, I had no access to my funds. That payment was due the day that I sent it. I am already in financial trouble now, and I only have a few days left of my semi grace period that was so kindly extended. I called so many times, I talked to 14 people total was transferred a total of 9 times and was on hold for a total of 7 hours. Every single representative said that I needed to talk to someone else and every single time I was transferred not a single person picked up. And I was calling internationally so it cost me a fortune to wait for nothing. I emailed multiple times, and tried different departments. On XX/XX/XXXX my account activity said that my {$970.00} was transferred from bank and that the transfer was completed. It did not say where to and it said that it was transferred from my paypal balanceI did not have any money in my paypal balance. That money was supposed to be correctly refunded back to my debit card that I used, and the funds would have been accessible within the day. Instead, there was no communication, and I have no idea where my money it. It is not in my account, and my bank looked into it and said there isnt even any sign of a refund pending and they have even started a claim. I need that money immediately, I am now in financial trouble due to an error from Paypal and they are ignoring my concerns and not helping me. They can not hold my money like that for no reason and not communicate with me to tell me where it is and why I do not yet have it. I feel as though I am being scammed. I need that money returned asap. I have even contacted their executive office and no one will respond to me. It is illegal to hold someones for no reason and without communication. This is an emergency for me.
Consumer complaint received 2022-12-02
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. (TX)

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. XXXX XXXX XXXX & XXXX CARD are falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, XXXX XXXX. XXXX section XXXX, XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX CARD have published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. XXXX XXXX XXXX XXXX XXXX XXXX  have published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Consumer complaint received 2021-06-12
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. (IL)

I recently checked my TransUnion credit report and I seen 2 late payments from XXXX XXXX XXXX that is incorrect because Iam in good standing with this company with no late payments also I see 1 late payment from XXXX XXXX XXXX and that is incorrect iam in good standing with this company as well.
Consumer complaint received 2022-10-07
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. (LA)

My name is XXXX 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 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IN)

Charges were made to my credit card account ending in XXXX that were not incurred by me. 
I have tried phone calls and a personal letter to the Citibank Security Center with no results. It has now been more than 30 days. It is obvious this charge : XXXX XXXX XXXX CA {$90.00} on XX/XX/2021 should have been to an account ending in XXXX. ( Their own document ). 

It is also obvious this charge : ( charged to my account ) XXXX XXXX XXXX CA {$49.00} on XX/XX/2021 should also be made to the same account ending in XXXX. 

The two charges were made the same day, XX/XX/XXXX by the same person. 
How did my card information get involved? I am an Indiana resident and my card has never left my wallet.
Consumer complaint received 2022-12-02
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. (TX)

XX/XX/2022, {$1000.00}, XXXX XXXX XXXX XXXX to remove the item, all the information is incorrect, they stated that the account was sold to another company. Also, dispute this item and nothing happen. 

In accordance with the fair credit reporting act, XXXX XXXX service ACCOUNT # XXXX has violated my rights.

15 U.S.C 1681 section 602A. State I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-12
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: EQUIFAX, INC. (MA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I have a bankruptcy that does not belong to me. I have tried to dispute and remove the bankruptcy with all three of the credit bureaus. They have told me the information has been verified. I have PROOF that the Bankruptcy Courts have not verified anything, and that this lawfully should be removed.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I lost my job as a nurse due to downsizing. I contacted my bank USAA which I had a personal loan through. I was guaranteed that if I make my late payment on XX/XX/XXXX or before I will not be reported for missed payment. I made my payment over {$1000.00} on XX/XX/XXXX and they still reported me. Nothing but greedy liars.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I have trying to get my year end statement from Pennymac out of California. I have as of today, XX/XX/22, to receive it. I talked to a representative named XXXX on last Wednesday. She told me she would XXXX  XXXX it to me. 6 days later, nothing. Call the number to her extension and nothing.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ZIONS BANCORPORATION (NM)

On XXXX weekend 2018, my Nevada State Bank account was hacked. Approximately {$21000.00} was taken. 

I immediately called NSB. They froze my account and sent me {$2500.00} to help while they investigated. I spoke with their cyber analysts twice. We agreed on good charges versus fraud. 

After a month, the branch manager stopped returning my calls. I have contacted the bank, Nevada commission on Financial Institutions. I have all the documentation and will be happy to forward.
Consumer complaint received 2022-02-04
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)

While searching for mortgages to buy a house, it was discovered that my Fico Score-2 was less than adequate. It seems that XXXX XXXX has stopped reporting that I pay my student loans to the credit reporting companies. The last report was made on XX/XX/2018. I have continued to pay, but the non-reporting by XXXX XXXX shows delinquent payments on my credit report. I have disputed these claims against me multiple times via Experian. Over three years of paying XXXX XXXX for my student loans and they have not reported the payments, tanking my credit. XXXX XXXX has sold their student to XXXX, whom I have not heard from to service the payment of my student loans.
Consumer complaint received 2022-02-23
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: Westlake Services, LLC (GA)

The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWestlake Financial XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (LA)

I would like to submit a complaint against ( XXXX XXXX XXXX ) regarding unknown cable account ( s ) XXXX, XXXX and XXXX for {$670.00}, {$780.00} and {$500.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( XXXX XXXX XXXX ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( XXXX XXXX XXXX ) a certified, registered and tracked letter via the United Stated Postal Services on  XX/XX/2018 requesting validation of the account ( s ) ( XXXX XXXX XXXX ) reporting on my credit report ( s ). ( XXXX XXXX XXXX ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditor ( s ) XXXX XXXX listed on my credit report ( s ) that ( XXXX XXXX XXXX ) claimed to be collecting for. XXXX XXXX, the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) with them. Which I knew before contacting XXXX XXXX. I have not had an account with XXXX XXXX for over ten to eleven years. 
I advised the XXXX representative I was speaking with via phone, that XXXX XXXX XXXX was reporting three collection account ( s ) on my credit report ( s )  claiming to be collecting because XXXX XXXX sold/assigned the account ( s ) to them. The XXXX XXXX representative advised me there was no way XXXX XXXX XXXX would or could be attempting to collect on any account ( s ) that are over ten years old and in addition XXXX XXXX has absolutely no records of assigning any account ( s ) in my name to XXXX XXXX XXXX. Moreover, the XXXX XXXX representative stated cable account ( s ) /collections are uncollectable after three years in Louisiana due to the state statute of limitations and a seven-year federal statute of limitation for reporting to consumers credit reports. Therefore, ( XXXX XXXX XXXX ) have violated several state laws, FDCPA and FCRA. ( XXXX XXXX XXXX ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before ( XXXX XXXX XXXX ) reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect debt/account ( s ) beyond both state and federal statute of limitations. 
These erroneous entries by ( XXXX XXXX XXXX ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.
Consumer complaint received 2022-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX  Cap One NA Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (KY)

Just a few weeks ago, Discover reviewed my Account, and my excellent credit and payment history, and increased my credit limit by {$300.00} to a total of {$2800.00}. I have a XXXX balance. On XX/XX/XXXX, I was told they had done another review, just a few weeks later, and found I had started a new unsecured loan, which was not true, and I had a new negative item, a medical bill. The medical bill was paid but the credit bureaus are slow to remove it. They ignored my excellent credit score and payment history, and the fact that they had given me an increase on my credit limit just a few weeks ago. This is the first time in 35 years of having credit cards that I have seen a company mis-treat their customers this way. They should be investigated. 







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