davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NC)

I have a both business and personal accounts with PNC. My XXXX   needs to connect to another bank in order to receive ACH payments from a customer, but PNC has made a change that prevents me from linking my account making electronic transfer of payments impossible. This is a very important customer to my XXXX XXXX, and this action will prevent me from doing business with them in an efficient manner.
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Report act XXXX  Accounts DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF ED/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
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: EQUIFAX, INC. (FL)

today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that XXXX XXXX XXXX furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and XXXX XXXX XXXX of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with XXXX ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that XXXX XXXX XXXX obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. 

I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my XXXX ( Report Number : XXXX ) And EQUIFAX ( Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. 

There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my XXXX ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.
Consumer complaint received 2022-11-08
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. (KS)

I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX to delete errors and inaccurate information from my credit report. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3300.00}. 
This account is incorrectly reporting that I have 9 late payments. On my XXXX report there are 3 late payments being reported. 

XXXX. XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 
This account is incorrectly reporting that I have 29 late payments. On my XXXX report there are 6 late payments being reported. 

XXXX. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
This account is incorrectly reporting that I have 29 late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX. XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank is refusing to enforce fraud protection on my checking/savings account following the theft of {$18000.00} from my bank account along with my cell phone. The theft occurred while on vacation in XXXX XXXX, LA, XXXX XXXX. Police report was provided to Chase bank along with video surveillance obtained by the XXXX XXXX Detective XXXX XXXX XXXX. Chase claims because my PIN was also stolen that this can not be considered fraud, which is completely absurd. If my PIN had not be obtained by the thieves, then they would not have been able to steal the funds in the first place. Chase claims has been contacted numerous times over the past 3 months and always re-direct the call to another department or simply hang up on the call all together. Finally, after consistently calling for claims status, Chase bank cancelled my checking account, removing my access to all the claims documents and statements associated with this fraud. They still refuse to re-open the checking account to allow me to regain access to my notices and letters.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had two fraud charges on XX/XX/2022. I was home all day and my my security camera footage to prove I never left my house. The first fraud charge was for XXXX dollars to some XXXX online. I have never order anything from that merchant and my account should have been flagged for such a high amount. The second charge was for gas in the amount of XXXX at a gas station in which the card was physically used. Once again I never left my house and have my own personal security footage that shows I never left my house along with my complex footage which shows I never left the complex that day. The card was physically used, I had the card on my person which means my card was cloned.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, Equifax and XXXX. I have given documentation showing the items I am disputing on the attached copy of my credit report ( s ). 

These items are inaccurate because I am requesting that the items are removed from my credit report to show the utmost updated information. 

Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX Note : Never lived here ; No address associated with any history of mine Address : XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX Note XXXX Never lived here ; No address associated with any history of mine Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX DC XXXX Note : Wrong address associated with any history of mine Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Note : Never lived here ; No address associated with any history of mine Enclosed are copies of supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible.
Consumer complaint received 2022-11-08
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: Uplift, Inc (FL)

In XX/XX/2022 I received a notification from my credit monitoring service ( XXXX ) that a new loan had been opened in my name from a company called Uplift. Upon doing research, I found that this loan was for a vacation rental or trip through XXXX XXXX. I was able to cancel the trip and was also able to successfully dispute charges that hit my my bank account for this loan. I notified uplift in XX/XX/2022 that the account was not mine, that despite having an XXXX XXXX fraud alert on my credit they never contact me, and I also provided a copy of a police report that I filed for identity theft. Uplift has still hit my credit for a charge-off for this loan as of XX/XX/2022 despite submitting the police report and making them aware via email that this account was not opened by me.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (GA)

History : On XX/XX/XXXX I entered into a loan agreement with XXXX XXXX XXXXXXXX for the amount of XXXX. XX/XX/XXXX I was approve for a permanent modification with XXXX XXXXXXXX XXXX, XXXX. My payments was reduced to XXXX. About 6 months later after my Modification XXXX. transferred my loan. My Loan has been transferred with 3 other banks from XXXX, and there has been misapplied payments on my account over the life of the loan. 

XXXX XXXX SELENE purchased my loan and immediately started the foreclosure proceedings alleging that I owe XXXX. I disputed that dollar amount and requested in writing to provide me with admissible legal proof of the debt. Selene has failed to provide me with admissible legal proof of debt, but yet wants to force me into accepting a higher payoff than I actually owe and failed to investigate my complaints. Which is a violation of the FAIR DEBT COLLECTION VIOLATION ACT. 

SELENE~ has also failed to acknowledge and accept my previous loan modification that was implemented by XXXX which is troubling because it violates their own servicing guidelines set forth under the government 's making home affordable program, therefore breached the contract. 

I was instructed to submit another loan modification package. Selene accepted the package after telling me I would be considered again for a modification, but yet still decided to foreclose on my home.
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: EQUIFAX, INC. (NC)

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 2022-09-08
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My rent check with through on the XX/XX/XXXX and my direct deposit from my company went into my account at the same day as my rent check. Wells Fargo still charged me overdraft protection. I called Wells Fargo to find out what time my rent check was processed because I knew I would have money in my account. I got the email at XXXX on XX/XX/XXXX, that I had an overdraft, but my direct deposit was already in my account.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (MN)

My name 's XXXX XXXX I had a Venmo account and they claimed I had suspicious activity on my account and decided in XXXX to freeze my account for six months basically cause they wanted to I asked for them to show me reason why they claimed it to be suspicious they wouldn't give any then they decide to close my account so now six months later when I'm supposed to get my money like they said I get a email saying this " You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 


Hello, Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Team Venmo THIS EMAIL IS A SERVICE FROM VENMO. 
[ XXXX ]
Consumer complaint received 2021-09-24
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. (NJ)

This letter is to inform you that I have become a victim of identity theft. There are addresses on my report which do not belong to me. My address is XXXX XXXX XXXX , XXXX, NJ XXXX.Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. I am completely willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent inquiries from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

I initiated a dispute inquiry with the three major credit bureaus, XXXX, XXXX  and XXXX, because of a bankruptcy account showing on my credit file. The results from XXXX  and XXXX  investigation  stated that Lexis Nexis was the furnisher and source of the information that they are reporting on my credit file and I was told to contact Lexis Nexis. I initiated a dispute with Lexis Nexis and in response to my dispute, they sent me a letter dated for XX/XX/2019, and it states that an investigation was done and the resolution was that " We have verified information from our identification records based upon your dispute. '' What is that suppose to mean to me? They sent me a copy of my credit file and it shows a bankruptcy account and it shows that the source of the information came from the courts. I sent a letter to the bankruptcy court, to the address that is on my report and inquired if they had sent information regarding myself to a 3rd party or to the credit bureaus and they responded to my inquiry with a letter that states " that they do not share information with any 3rd parties nor the credit bureau 's. '' ( I have attached that letter. ) The credit file from Lexis Nexis that list the courts as the source for the bankruptcy information is false. I then received another letter from Lexis Nexis dated XX/XX/2019 stating that they initiated an investigation on my behalf with XXXX   and the results were that " The company that reported the information has certified to XXXX  that the information is accurate '', why would Lexis Nexis initiate an investigation with XXXX  when Lexis Nexis was the source of the information that XXXX  is reporting. They are playing games. They have not done a reasonable investigation. They have only sent to me letters stating that the information had been verified but never no proof of who verified it. This company is being very vague with the results of this investigation. I have a right to see and challenge the validity of information that they claim has been verified. I want documentation that clearly shows that this account belongs to me.
Consumer complaint received 2022-10-21
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. (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 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : USBK Court XXXX Georgia # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I tried to login into my Equifax credit report 100 times but they showed me only 1 thing that, Please give us a call we can't complete your request at this time. Please call the Customer Care team. When I submitted the Complaint to CFPB they informed me that I opened an account in Equifax credit bureau and login into my credit report and removed the security freeze and dispute inaccurate accounts from my Equifax credit report or check my credit score. 

But when I tried to login into my Equifax credit report they showed this message that we can't complete your request I can be called them when I called them they said that they need to verify me and to verify me I want to fax my copy of driver license or social security card so they made money by selling them to marketers. As like in XXXX they sell billions of people 's data online and FTC sued Equifax for $ XXXX   but after that, this fraud bureau asked to send people 's information to them by fax or email.
Consumer complaint received 2015-05-22
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NC)

I use paypal for several years and reciently was given an option to make " paypal '' credit my default payment option. When I did this, about a week later I got a call from my bank saying I was over drawn upward of XXXX+ $! This was overdraft and nsf fees included. I called paypal and was basically told that I should have known I could n't use paypal credit as my XXXX funding source and they refused to fix the issue. I called my bank and they say said unless paypal admitted fault they couldnt refund the fees. I went back and fourth for almost 2 weeks and by this time my bank account was nearly XXXX dollars in the negative! I spoke to a manager at pay pal again and he basically told me in no uncertain terms that it was not his problem that I was n idiot and did n't know how to read fine print. I took a screen shot of the page where I checked the box asking if I wanted my ppcredit or my bank to be my XXXX source of funding, and nowhere on that page, in any fine print does it say that my bank would remain my XXXX funding source. Now I have payed my bank back out of my own pocked ( technically paid for services XXXX ) and now paypal is demanding I pay them over XXXX dollars because my bank requested back the money taken out, which they have yet to return. I truly feel this huge corporation which I used to be completely fond of and found extremely convenient has gotten too big for their britches and has gone from a caring consumer driven company to an unethical money hungry company who could care less if they lose one little peon like me. 

Saddened and still in the Negative, XXXX