davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MD)

I purchased an item for {$120.00} via XXXX. The item was damagedthe skirt was black with several bleach stains. I called Chase, and the representative, XXXX XXXX from the XXXX, filed a claim on my behalf. He told me that because the item had arrived damaged, I was protected under Chases guarantee that I do not have to pay for items that were delivered and were not as described. He said that I would receive a credit to my account in 24-48 hours, and Chase would get the money back from XXXX for me. He then told me to go ahead and discard the item. Chase recently contacted me to say that I had filed the claim past their 60 day window and reversed the credit. XXXX XXXX from the XXXX did not tell me about any window. I was informed that I needed to contact XXXX. XXXX said that, although they had ruled in my favour, because I had discarded the skirt, as per the instructions of the Chase representative, Chase would have to file a claim for fraud in order for XXXX to give me back the money. They needed the skirt in order to return the money. As there was no skirt, Id have to go through Chase. A Chase representative, XXXX XXXX, Account Supervisor for Claims Escaltion in Texas told me that even though XXXX XXXX told me to discard the skirt and that Chase would get my money back, it was my fault for throwing away the skirt, and Chase was not liable. I hung up and spoke to another representative who expressed shock that XXXX XXXX would make such a promise and tell me to discard the skirt and wrote up a formal complaint. He insisted that Chase could not pursue the claim, despite all of this and my explaining that XXXX was willing to give me my money back if Chase pursued a claim.
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (CA)

I had open a bank acount with us bank and my acount was close becused I didn't hand money in my bank acount I thought that my funds where sending me a check yo my address but I never open my mas il and I rescued a letter that st and XXXX that my acount was close for not having funds and I disputed my bank acount all I got was a letter stating that all was geting but I believe that us bank close my acount before I had access to my funds
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I XXXX XXXX set up a long term hardship program last XX/XX/XXXX or XXXX. I did all what is necessary. I made a downpaymemt and setup an automatic payment. One month after XXXX XXXX credit card collection department is calling me again cause sometjing went wrong on the enrollment process but when i ask what went wrong the answer is i dont know. But a representative called me XXXX and confirmed that im in the program. Now to enroll again they are asking for another downpayment. I paid it to enroll but its a hardship for me cause all the while i thought im already enrolled and just going to pay the minimum amount due. Now i have to pay more than what im expected and thats very hard.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (GA)

I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX FL 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. XXXXGeorgia XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I was in the process of applying for car loans online, and was taken by a portal website to TransUnion 's website, where I was instructed to pay {$1.00} so that my credit report would be run, to facilitate the loan application process. This was back on XX/XX/2020. 

I am a former XXXX XXXX XXXX  and XXXX XXXX XXXX. Trust me when I said I read over all the documentation, before I was willing to give out my credit card number to authorize this one-time {$1.00} charge. To be extra cautious, I selected the credit card in my wallet with the smallest credit line. I have the e-mailed receipt for this {$1.00} transaction. A week after this event, on XX/XX/2020, I received a popup from my credit card company 's smartphone app, telling me that I had authorized a {$19.00} charge to TransUnion. I did NO such thing! I have called my credit card company to file a fraud charge, to cancel my credit card, and to dispute this fraudulent charge from TransUnion. I then attempted to log into TransUnion 's credit monitoring service website, and it will not allow me to log in or even reset my password. I called their customer service line, and TransUnion is arguing that I agreed to a {$19.00} charge, which I did not! Nothing in my e-mail receipt says anything other than {$1.00}. TransUnion is also not willing to refund this {$19.00} charge. I couldn't even get onto ther website to cancel this service, let alone take advantage of this credit monitoring service that they are telling me they've sold me. 

I don't care that this is TransUnion ; one of the three major credit bureaus. This is blantant FRAUD and they should be held accountable for this deceptive business practice!
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  FL 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. XXXXGeorgia XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX
Consumer complaint received 2019-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

On XXXX XXXX I settled the account in the amount of {$720.00} to XXXX XXXX XXXX  with XXXX XXXX XXXX for the amount of {$470.00}. XXXX XXXX  showed my account as settled on my credit report then Phoenix Financial wound up with the account, posting it for collections on the same day I settled this account. I disputed this collection and it was not removed from my report stating the account is valid. I have documentation from XXXX XXXX XXXX stating this account is settled and has a {$0.00} balance as well as the bank transaction showing the money paid out to them. I would like this corrected ASAP on my credit reports. Thank you in advance for your help.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

XX/XX/XXXX Dear Sir, I am a tenant at XXXX XXXX XXXX, XXXX   XXXX, XXXX, Minnesota XXXX. 

I paid my rent each month {$950.00} plus late payment fee.. 

Under Minnesota law, I am entitled to a receipt for each rental payment. I was not given any receipts and so with the deposit I made when I signed the lease. 

Universal Citation : CA Civ Pro Code 2075 ( 2016 ) Whoever pays money, or delivers an instrument or property, is entitled to a receipt therefore from the person to whom the payment or delivery is made, and may demand a proper signature to such receipt as a condition of the payment or delivery. 

I also need my rental receipt for my tax for this year. 

Further, I asked a proper signature to such receipt as a condition of the payment. As such, I request that they provide me with a signed receipt. 

As I am applying for Senior Housing in XXXX XXXX, Minnesota, I was denied housing because of the Eviction they filed and was reported in my credit and personal file. This cause me great emotional distress. 

Tenant screening reports has been provided to me by the XXXX XXXX  XXXX XXXX, Minnesota. 

I ask for your assistance to provide to me a written notice that there was never an eviction that took place, no SHERIFF OR WARRANT FOR EVICTION HAS TAKEN PLACE and the lease/contract has been fully paid in full. 

XXXX XXXX XXXX XXXXXXXX reported an eviction and I gets turned down for a rental application, and I believe I have been damaged and this is a serious offense. And I want REMEDY for every cause there is an effect. 

Accordingly the company misreported an eviction as I am not evicted and we did not breach the lease. There was no WARRANT FOR US FROM THE COURT AND NEVER RECEIVED ANY NOTICE FROM THE SHERIFF TO REMOVE US FROM OUR APARTMENT. I HAVE BEEN HARMED, DAMAGE AND CAUSE EMOTIONAL DISTRESS AND I WANT REMEDY.. 

Please help me get documentation that the contract and the lease has been paid in full and there is no outstanding obligation on my part from the Apartment Manager and that XXXX  XXXX XXXX must invalidate and delete the file in my public records. 

The tenant screening companies are also subject to similar reporting rules under the Fair Credit Reporting Act. 

Anyone who falsely reported and damage my person, I will pursue legal action against the company for incorrectly reporting negative information that can affect loans and rental applications against my legal entity, XXXX XXXX XXXX, DBA. 

A copy of the Court Judgement is hereby attached and the checks constitute delivery of the final judgement in court. There was no eviction and there was no warrant from the court and the sheriff. 


As such, I request that you provide me with a signed receipt upon receiving my letter. And I want a receipts of all the payment I made and with proper signature today. 

Thank you for your attention to this matter.
Consumer complaint received 2018-08-25
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. (GA)

My Name : XXXX XXXX XXXX Dates : Attempt to contact Experian on or around XX/XX/XXXX Remedies Attempted : Left a voicemail through one number. Filled out PIN request with zero response. Could not speak to a live person. 


On or around XX/XX/XXXX, I completed the Experian online form to retrieve my security freeze PIN and have it sent to me [ https : //www.experian.comXXXX ]. I placed a security freeze on my account on XX/XX/XXXX and paid {$3.00} based on the state I live in. In order to retrieve my PIN, I filled out the form and submitted copies of my Driver 's license and all required information. I never received a PIN in the mail or any correspondence from Experian via any other means. I attempted to contacted Experian using their customer service number of XXXX, but could not find a way to use the automated system to either retrieve my PIN or to speak with a live person. I tried a few different ways and searched their website and had no way to contact them. 

I am looking for one thing, and that is a copy of my security freeze PIN so that I can choose to temporarily or permanently lift my current security freeze if I so choose. I had no problems retrieving my PIN from either XXXX or XXXX, only with Experian. Please assist me and have them reach out to me and/or provide a way to contact a live person. It is ridiculous that they control my credit reports yet I have no ability to speak with customer service reps with my problem.
Consumer complaint received 2022-07-10
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. (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 U.S.C 1681 1 ) XXXX XXXX XXXX XXXXY XXXX XXXX account # # # # # # # XXXX has violated my rights Hard Inquiries 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 All account above have violate 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,
Consumer complaint received 2022-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am reaching out to you for a resolution to an issue with Capital One Auto Finance reporting my account information to XXXX and XXXX credit reporting agencies. Capital One Auto Finance has failed to provide a contractual agreement between them and me. They only supplied me with a document signed at the dealership with a dealership employees signature not a Capital One employee signature. I sent a Conditional Letter of Acceptance requesting them to remove the account from my consumer report. They refused and also did not provide me any supporting documentation to validate we have a contractual agreement. I am demanding immediate removal of this account from my consumer reports.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (SC)

I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681c ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am LIVID! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be giving peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. According to the laws about my privacy, this item should be removed immediately.
Consumer complaint received 2019-05-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have sent multiple letters to USAA to verify my accounts that they are reporting on my 3 credit reports. They have not provided me with any real proof that the account is mine and that they can keep it on my credit reports. They are refusing to reinvestigate saying that I have not provided enough information But I have sent them the information that I got right off my credit report.
Consumer complaint received 2019-05-07
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. (TX)

I Have sent letters to all three credit reporting agencies to verify some information on my report and they keep sending back that the information has been verified But I have contacted the original creditor and the sent back saying that they have no information for this account so how can it be verified as accurate
Consumer complaint received 2019-05-07
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. (TX)

I Have sent letters to all three credit reporting agencies to verify some information on my report and they keep sending back that the information has been verified But I have contacted the original creditor and the sent back saying that they have no information for this account so how can it be verified as accurate
Consumer complaint received 2022-07-10
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. (WI)

I have 2 credit cards with XXXX XXXX  both cards show closed on my credit report. I've repeatedly disputed that they are open and in good standing and sent statements showing they are open. I've called XXXX XXXX  and was promised a letter stating they are open but I've never received a letter. I have been disputing this issue for over 2 years.
Consumer complaint received 2022-07-10
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

This account has been fraud since 2019. Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been olive report sent in an person XXXX XXXX I want this deletes now. 
The next steps is hiring an attorney.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Introduction : I am writing to file a complaint against PayPal regarding difficulties accessing my account and potential unfair business practices. 

Background : I am a former resident of the XXXX and established a PayPal account there. 
I recently relocated to the United States. 
I have a remaining balance in my PayPal account. 
Issue : I have attempted to access my PayPal account to avoid inactivity fees. 
However, I am experiencing repeated lockouts due to an infinite loop of security checks that fail to resolve. 
I believe this may be an intentional tactic by PayPal to prevent account access and incur inactivity fees. 
Request : I urge the CFPB to investigate PayPal 's practices regarding account access and potential inactivity fee manipulation. 

Additionally, I request the CFPB to : Determine if PayPal 's security protocols are unreasonably hindering legitimate account access. 
Investigate whether PayPal is engaging in deceptive practices to generate inactivity fees. 
Impose appropriate penalties on PayPal if these concerns are substantiated.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (NV)

Ive paid off my major three creditors and they are trying to double charge me I have a XXXX balance and then all of a sudden I have a balance again, they got paid, I have the proof and screen shots from Aargon agaency. One was XXXX $ the other is XXXX $ and Im getting charged double my debt shouldve been XXXX instead its XXXX $!!! Now its XXXX, but I have my letters of deletion and paid in full. Its very odd to me that creditors can bully people like this. I should be debt free now since I was caught in two breaches but Im still screwed and I paid off XXXX in debt, and its stills showing and I have XXXX in new cards and its not showing
Consumer complaint received 2018-08-25
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. (FL)

I notified TransUnion, XXXX, and XXXX of unauthorized inquiries on my credit report. Since the creditors didn't have me authorization, written nor verbal. I ask the credit reporting agencies to immediately delete the inquires. I previously requested the creditors delete the inquires also, and was denied.
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (IL)

this company Resurgent capital services report to the credit agencies on XX/XX/2018 before the 30 days opportunity for me to dispute the validity of this debt. I answer letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX, XXXX. who say they where attorneys for XXXX XXXX XXXX, and send a letter to Resurgent capital services on XX/XX/2018 see attach documents.
Consumer complaint received 2022-07-10
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

This account has been fraud since XXXX. Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been XXXX report sent in an person in XXXX I want this deletes now. 
The next steps is hiring an attorney.