davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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 checked my consumer and I recognized that i had unauthorized inquiries and then I reached out to the credit reporting agencies that was reporting the inaccurate information I then proceeded to contact them about the inaccuracies but they refused to remove them
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS IS A RICO-EXTORTION RAQUET, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO XXXX ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS IS A XXXX XXXX, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
Consumer complaint received 2021-12-08
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. (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello, This is a complaint regarding Paypal. 
I have made a transaction using their platform back in XXXX ( a deposit was sent to a service provider who never delivered the agreed product ). I have sent our conversation including what we have agreed on and my attempts to reach out multiple times. I finally decided to file a claim which they immediately rejected giving their expired delay. I explained that this was an ongoing project for which I have hired the provider who at one point, upon my insisting, responded pretending he had Covid, after which, I left him alone for a little while and lost time, but since I never heard back, I decided to open this claim. Which explains the delay ( I have expired their delay for filing a claim by a month ). 

I would like to file a complaint against PayPal considering their rigidity in facing life situations ( I have been a long-time user ). They could at least prevent this user from receiving payments and make this tool safer.
Consumer complaint received 2021-06-01
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. (DE)

On XX/XX/2018 Experian, XXXX, XXXX violated by rights as a federally protected consumer. I have proof Experian, XXXX, XXXX is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Experian, XXXX, XXXX written consent to report any of my personal information. Experian, XXXX, XXXX  also violated 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Experian, XXXX, XXXX has stated they recived this information from the XXXX court house which is false. I spoke with the court house and they stated it is not there policy of the court to report to any credit agency.Experian, XXXX, XXXX has harmed my reputation and oppress me from receiving services or good pursuant to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person
Consumer complaint received 2020-11-23
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: CITIBANK, N.A. (HI)

I live in Hawaii and have a Costco credit card issued by Citibank, which includes an annual fee as part of the Costco membership. Part of the agreement includes a cashback provision. Due to a hospitalization spanning several years, I was unable to redeem these cash rewards, and they expired within a year. 

As I understand it, expiring these values within 5 years is prohibited by both Federal law, the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009, and state law, Hawaii Rev. Stat. 523A-14 and Hawaii Rev. Stat. 481B-13 Having reached out to multiple representatives, I was told " We are systematically unable to generate new certificates once they are expired. '' I do not believe this is legal and would like guidance on the matter.
Consumer complaint received 2023-03-30
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-12-08
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. (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

WellsFargo 1 ) refund {$190.00} on XX/XX/21 XXXX ) Then on XX/XX/21 later that night near midnight charge the {$190.00} again. 
3 ) I want {$190.00} refunded back to my account. 
4 ) This means I was charged twice {$190.00} and only refunded once. 
5 ) Please see statement if money is refunded it would be posted on my account. 
6 ) It is not okay for wells fargo to claim that internally secretly they refunded {$190.00} but it never posts on my statement. 
7 ) Tell wellsfargo to post {$190.00} on my account so I get credit before they claim transparency. 
8 ) See attached. 
9 ) See attachment.
Consumer complaint received 2018-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (VA)

On XX/XX/XXXX I received a bill from XXXX XXXX for the amount of {$420.00}. As I don't have XXXX XXXX I immediately called them and asked for a copy of the signed contract with my signature on it. They claimed they would be sending to me within 5 business days and my " account '' would be on hold for until I received it. It never came. Shocking I know. So I called again repeatedly and asked for the same information. A simple verification of the debt. I still have yet to receive this. Then on XX/XX/XXXX I receive a letter in the mail from Diversified Consultants, INC. in the amount of {$420.00} with the original creditor listed as XXXX XXXX. This is a complete outrage, and definitely against the law!! I feel sure this will end up on my credit report next month so I demand you do something about these unfair and downright illegal practices! 

Thank You
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (IL)

I am struggling to get inaccurate inquires removed off of my credit report. I have disputed two inaccurate inquires with XXXX via certified letter, but the company responded and said the inquires were verified. It was recommended that I reach out to the creditors who did the inquires directly. I called the companies that were reporting which are Suntrust Bank and XXXX XXXX, and I was told by their employees that I needed to dispute the information directly with the credit reporting agency. Since I had already done this, I called XXXX to tell them what the two banks said. The XXXX representative was apologetic about the inaccurate information, but still referred me back to the other two companies. I was told that I needed to call the companies and request a deletion letter and once that arrived to mail that letter to XXXX. My concerns are that this process is inconvenient and causing me stress and hindering me from being able to access consumer credit because there are other companies that are denying me credit due to how many inquires I currently have. I have been disputing this information since XXXX. It is now XXXX, and I am still being given the run around. I dont understand why getting inaccurate information off of my credit report is so difficult.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc (TX)

I received a text from XXXX XXXX XXXX XXXX with the following : First part of attached text : Contact information card with Hunter Warfield address, phone number, and payment portal but no context at all " Hunter Warfield a debt collector has a message for you. Please contact us at one of the options on the attached contact card. Reply Stop to Opt-Out from Text. '' Due to grammatical errors and no current debts owed through collections, I don't believe this would be a real debtor outreach attempt, even if the company is real.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

My credit has been in very good standing now for years. I've been keeping up with all my bills and have most of my credit card payments on automatic payment for the month so I don't forget. Unfortunately, there were still one or two that I hadn't signed up with, for this service. One is Comenity Bank the holder of a store credit card. I recently approached this bank after receiving a late fee about a month ago. Apparently, I forgot, after almost a year of paying on time and paid a couple of days late. Actually, I had thought I had been paying for well over a year on time. When I asked for a waiver, they were quick to point out that they had already waived a fee about ten months ago and were not prepared to waive one again. Wow. I told them that I really regret to hear that during these times, when so many people are in hardship ( we actually have our mortgage on deferral for over one year right now ) that this bank will not waive another late fee. I have since set up automatic payments. They can see this. Since this is a decision that this bank is remaining strong on, then I want to close this account. All it is, is an account that has got me into debt. High interest rates, now late fees, slow returns where I can not even keep up on what I returned and if I got the proper credit. I told them that if this fee is not waived I am going to have to close my account for a combination of the above mentioned reasons. Apparently they could care less and even told me how to close the account! Wow. Unbelievable. Even with what happened. A major Pandemic. People really struggling, still, well over a year later and they say no. Shame on this bank. Shame on them. I want this noted.
Consumer complaint received 2021-06-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I am being held responsible for a damaged item that was returned from XXXX for {$100.00}. I was promised a refund and never received it and XXXX mastercard is basically telling me to deal with them for my refund and merchant is telling me to deal with credit card .. I dont feel protected at all by the credit card company as a consumer..
Consumer complaint received 2021-06-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc. (VA)

Consumer Portfolio Services is reporting to the credit reporting agencies regarding an expired debt. This debt is over seven years old and the last activity on this account was XX/XX/XXXX. I sent a certified letter on XX/XX/XXXX and XX/XX/XXXX, informing them that I understand my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing or reporting this type of debt in Virginia has expired. As of today, XX/XX/XXXX, Consumer Portfolio Services is still reporting an expired debit to the credit reporting agencies.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IL)

I am struggling to get inaccurate inquires removed off of my credit report. I have disputed two inaccurate inquires with XXXX via certified letter, but the company responded and said the inquires were verified. It was recommended that I reach out to the creditors who did the inquires directly. I called the companies that were reporting which are XXXX XXXX and US bank, and I was told by their employees that I needed to dispute the information directly with the credit reporting agency. Since I had already done this, I called XXXX to tell them what the two banks said. The XXXX representative was apologetic about the inaccurate information, but still referred me back to the other two companies. I was told that I needed to call the companies and request a deletion letter and once that arrived to mail that letter to XXXX. My concerns are that this process is inconvenient and causing me stress and hindering me from being able to access consumer credit because there are other companies that are denying me credit due to how many inquires I currently have. I have been disputing this information since XXXX. It is now XXXX, and I am still being given the run around. I dont understand why getting inaccurate information off of my credit report is so difficult.
Consumer complaint received 2021-09-14
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. (MS)

i sent my first letter to transunion on XX/XX/2021, about some inaccurate and incomplete items reporting on my credit report, they never sent me anything so i sent another letter on XX/XX/2021 about the same issue and as of XX/XX/2021, no information from Transunion.I would like for it to be deleted before i turn this matter over to my attorney. 
all of my letters was sent USPS CERTIFIED MAIL W/TRACKING # XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/2021 we applied for a refinance on an investment property. By XXXX of XXXX  we were still waiting for the refinance to be processed. On Monday XX/XX/2021 the bank reach out by email and confirm that the loan is clear to close and that someone should reach out to setup and date and time to sign the documents. Also, the email response mentioned that " You will want to both sign your closing disclosure in the E-Portal once it is uploaded. '' This document was never made available on their portal so we did reach out and asked how much money do we need to have available at closing. The response was they the did know exactly what was the mortgage payoff amount and " the processor advised they need to do a final soft pull to finalize your loan on your credit ''. I should mention that at this point in time this was the 3rd or 4th time when the bank had to run a credit check since XX/XX/2021. The bank was not able to provide a clear explanation about the documentation necessary and what was missing or not although the payoff amount statement was provided twice. The closing was canceled and at this point we have no clear reason why is that.
Consumer complaint received 2021-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

if you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.