davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was looking for Upgraded concert tickets so my daughter would be out of the rain for the concert. Many people were selling. I asked the person many questions, they seemed legit i usually feel like paypal is a secure way to go, tickets were going to be given through ticketmaster. Which is a secure site. I sent the money, and the very second i did, the person said not to send it ( even tho they would have already got notified at this point ) and wanted me to send the money through a different app now. Which i asked if they had prevs. And they told me no. They Cont to tell me to send the money NOW! right now! On the other app, i said no, i want a refund or my tickets. They told me to trust them and just do it. I contacted paypal and they told me they received the payment and there was nothing they could do, id have to ask these people for it back which is of course impossible. This all happen XX/XX/XXXX started about XXXX and lasted till about XXXX. I just want my refund. Which i sent {$160.00} dollars, and there was a XXXX fee for my bank to transfer it to these people. I was trying to make sure my daughter wouldnt get sick at a concert she was waiting months for. And i get scammed by who ever this was. Its just wrong. And for paypal not to do anything is unacceptable as well.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NM)

XXXX XXXX XXXX has disputed legitimate services I provided him. With your merchant bank I refuted every debit to my account and you had agreed but still intercepted legitimate payments I received from XXXX XXXX ( {$500.00} ) and XXXX XXXX ( {$1700.00} ). These illegal claims have been settled with XXXX  XXXX XXXX who placed a stop payment for electronic transactions, so I changed my bank to XXXX XXXX XXXX and you stole my money so you had already accepted my proof of legitimate charges to said XXXX XXXX. Please promptly credit my account and also I am pursuing credit from XXXX and reporting you to both the FDIC and the CFPB. This is an outrageous use of illegal banking activity. Shame on you!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I did not receive any kind of written notice or any type of message about this debt. It just appeared on my credit report. I have not spoken to anyone about this debt over the phone either. I do not owe this debt agency {$700.00} and I would like for this to be removed from my credit.
Consumer complaint received 2022-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (TX)

Initiated a loan with Good Leap to purchase solar panels for my home. Good Leap paid the installer ( XXXX XXXX XXXX ) directly without confirming the work had been completed. XXXX XXXX XXXX has not made the the system work, and are not responding to my calls/emails/text messages. Good Leap should not have paid the installer until I validated the work was done. Now I am paying my electric bill and the loan for a solar system that does not work - the whole thing feels like a scam.
Consumer complaint received 2021-09-03
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: CORELOGIC INC (NV)

On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- CREDCO/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MO)

On XX/XX/XXXX I sent out validation Letter to the company whom have been requesting me pay a debt of {$170.00}. On XX/XX/XXXX the company SouthWest Credit (  collection agency ) sent me back on letter that enclosed the account, company, policy number and dates for the coverage they claim I owe. However they have failed to validate this account belongs to me. I am requesting this collection be removed from my credit report with all three CB 's. This is destroying my reputation as a credit worthy individual.
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (VA)

COSTCO and XXXX XXXX entered into an arrangement that promoted XXXX XXXX credit cards and COSTCO membership. I agreed to obtain an XXXX XXXX card and a COSTCO membership pursuant to this agreement. For reasons known to XXXX XXXX and COSTCO, they terminated this agreement with terminated my XXXX XXXX card. 

COSTCO sought to recreate this arrangement with XXXX, a different credit card company ( issued by CitiBank ). To promote this new agreement, XXXX sent me a credit card which I immediately destroyed and never validated. Notwithstanding my refusal to enter into an agreement with XXXX, COSTCO charged a new membership ( that I had not authorized ) to the Visa card that I had destroyed. I had decided that I would not renew my existing membership with COSTCO and I refused the Visa card. 

Nevertheless, COSTCO charged to the XXXX credit card I had not authorized a new membership with COSTCO that I had not authorized. When I objected to this, XXXX told me that I must speak with COSTCO about this, rather than considering this to be a fraudulent charge that I had not authorized to a credit card I had not authorized.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc. (CA)

i have an complaint already filed and denied. Ive been through school and different countries over the past 2 years and not that i have the true time to follow through and try i will. Cashapp does not prove themselves. I want to know how are they identifying and basing they payment as of authorized by me. My email was changed and i was not able to sign into my account. How is that explained for? What device was it sent on. Because i know cash app has systems to identify it because it shows when i go on the app at times. If it was not the model of my phone i did not do it. Let alone i was not signed in to send the money. And if it was a true mistake i could have refunded the money. HOWEVER the main point is the girl did not receive the money. Unless im being lied to by everyone. The security of my account did not kick in till after the money left and a scam was detected. How can a scam be detected with the transaction when i log in before me filing any complaint but its authorized by me? The girl said she dis not receive any money and cash app is yet to prove that. Ive tried for too long and dont want to sue. I just want my money back cash app gives out free {$500.00} but they cant help an existing customer with a miss understanding withing their company.
Consumer complaint received 2021-10-09
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: Resurgent Capital Services L.P. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

I opened an account on XX/XX/XXXX. On XX/XX/XXXX, I was sent a letter stating my account would be frozen on XX/XX/XXXX. I did not even receive this letter until XX/XX/XXXX ( last letter in XXXX XXXX Delivery XXXX XXXX ), after the account was frozen. I went to a branch that weekend to provide documentation and was told the following week that it was illegible and to come again & again. I have submitted the requested license and passport at least 4 times by XX/XX/XXXX, the date Chase states they will close the account. 

I have multiple accounts with JPMorgan, mortgage, personal checking/savings, investment, and credit cards and which can be cross-referenced to verify my new business checking.
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I sat through a XXXX timeshare presentation where I was informed I could utilize a Barclay credit card as a down payment towards a timeshare. I initially declined the offer because of possible high interest rates. The sale rep stated that the card would have a low interest rate due to the company working hand in hand with the credit card company, I later found out the companies are one in the same. The sales rep proceeded to run the credit of both my friend and I and returned stating " You both fall into our tier XXXX category '' which he explained was great credit tier and the interest rates would be low. A few minutes later, he returned and handed us our forms which stated otherwise, what we did n't know is that he had already charged the cards. When questioned about the interest rates being so high, 25.99 %, he stated, well you do n't have to utilize the card. The card had already been charged towards the down payment on the timeshare. I have since disputed the {$8500.00} paid to XXXX XXXX for a timeshare in which I have not been able to use due to lack of availability and they are refusing to refund me my money or handle the issue with the credit card. I would have never opted to purchase the timeshare nor credit card, if it were n't for the misleading and false advertisement, the deceptive information provided and the bait and switch tactics used by XXXX and it 's employees.
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (GA)

American Accounts & Advisors resources , Inc. is reporting unverified medical information to Credit reporting agencies in the amount of {$52.00}. I initially contacted American Accounts, in writing ( see Attachment # 1 ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 

American Accounts responded to my request for a signature bearing document with a letter ( See attachment # 2/3 ) stating the debt was verified and it belonged to me. None of the information provided by American Accounts bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 4 ) to request a signature bearing document as proof of this debt but never received a response. 

Both XXXX and XXXX have investigated this account, deemed the information unverified and invalid, and have subsequently removed this account from my credit report. Yet American Accounts continues to report this unverified debt to XXXX in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I also reached out to American Accounts by phone and left a message for XXXX XXXX and have yet to receive a response. I am trying to purchase a home and this item is negatively affecting my credit report. American Accounts ' policies and actions are highly predatory and violate the FCRA and HIPAA and should be investigated. I have made attempts to resolve the matter and have been met with staunch opposition which is the reason I am filing this complaint.
Consumer complaint received 2018-02-01
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: EQUIFAX, INC. (NJ)

I have tried everything that I know how to do correctly, Still, XXXX, Equifax and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX ) I'M trying to get a better job & place to live but they, ( XXXX  ) ( XXXX ) ( EQUIFAX ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion are not reporting correct information on my credit report. There are collections open and closed that are proven fraudulent but they refuse to properly investigate when I dispute the collections. There are also false names, addresses, credit inquiries all that I have not authorized. As far as I 'm concerned XXXX is aiding and abetting these criminals. I want this company to work with me instead of against me to correct my credit report.
Consumer complaint received 2024-02-26
Product: Credit reporting 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. (MD)

I don't recognize these inquiries Equifax- XXXX XXXX XXXX XX/XX/2023, XX/XX/2023, XXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/2023 The Fair Credit Reporting Act states that hard inquiries must be deleted if not verified.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NM)

I was messing around with the app! I have the WORST POSSIBLE credit! I applied for XXXX of the cards! I got approved for a minimal amount. I do not want it!!! It will mess me up with social security!! I called within minutes of approval, and spoke with XXXX, with credit card department, and was told that I can't cancel it!! This is total XXXX!! It's going to really really mess me up with social security!! The amount would never ever help me out anyway!! Please please please help me out and I need a statement saying that I cancelled it,!! OMG SERIOUSLY please please help me out!!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-08
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. (SC)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-05-31
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. (TX)

XXXX XXXX  XXXX XXXX XXXX XXXX has listed my account balance the same since XX/XX/2019. I submitted information and documentation to Equifax to resolve submitted dispute for incorrect payment history, continues to report back verified and accurate. 
XXXX XXXXr XXXX XXXX XXXX XXXX, I am requesting statement balance as of close of business date XX/XX/2019 to include my payoff balance. I also am requesting the estimated date that my payment made XX/XX/2019 will be submitted and processed. I also would like a written response as to why I I have to contact the CFPB in order to get responses to written request sent certified mail with no answer.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX  would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (WA)

To whomever it may concern, With complaint is directed towards Banco Popular de Puerto Rico ( license from XXXX XXXX XXXX ) I had conversation on the phone with a few representatives and the outcome of that conversation was bazar as they can actually help anyone. They have to talk to the higher ups and you'll receive a letter in the mail with a response??!! 

Another year has passed and with Covid-19, it is not possible to travel, so I am unable to use my XXXX XXXX ( airline miles ) card as it was intended to be used. Travel is not possible right now with the pandemic, so i called to either cancel the card or have the annual fee waived for another year to give the world situation a chance to create a better travel environment. I was told that I am stuck paying the annual fee ( which had already been charged XXXX. I feel this is unfair as I have already paid the initial annual fee when I opened this card up, and with the inability to use XXXX because of COVID-19, I feel I do not need to pay another annual fee as I can not use the perks the card is intended to be used for. Just cancel the card and will be on my way. 

With that said, I would like the annual fee of {$140.00} to be waived as it is posted to my account as of right now, so i can cancel this card. When I reach out to the company they say they have no power I can not talk to anyone with this sort of power ... that I will just get a letter in the mail. It so unprofessional to not be able to talk to someone that can fix this problem. 

Thank you for your time,
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY (CA)

I have a credit card  ( visa ) w  ith Wells Fargo Bank  and my statements are reflecting  XXXX  different interests charges that I must pay otherwise I will never get out of debt with them! I had gone paperless since  XXXX  and it was n't until a company known as    XXXX   XXXX    XXXX  th at I realized I was being charged a fee each month for insurance that did not apply to me, so I requested all of my statements from  Wells Fargo. I  was told that my minimum payment was calculated : Interest rate times new balance plus 1 % of my new balance and when charged additional interest its calculation : Interest rate time my average daily balance.   Since I have not charged on my visa since   XXXX   XXXX   XXXX   my minimum payment and my  Interest  charged are still running neck to neck in which that would be the case since my balance is being charged interest twice! In order to get my visa lower I have to add additional monies in which will thereby would lower my principle balance! Right now I have interest charge d by Wells Fargo Bank o ver {$5000.00}. I am trying to find out if  1.Is this legal and 2. If not would this be classified under RICO?