davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (NJ)

The company does not warn about charge offs. I have been having so much trouble since covid and cant afford a charge off. 

I wish there was more we can work with as customers.
Consumer complaint received 2022-08-25
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. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-11-10
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 (CO)

Paypal won't let me withdrawal my money. 

On XX/XX/XXXX, I received an email from PayPal stating that my account had been permanently limited and that I could no longer use PayPal. I had no idea why this would happen ; So I called them. It turns out they don't know either. 

I have emailed and called multiple times. They don't respond to emails and on calls they can't even tell me why my account has been limited. I can not withdraw my funds. 

I need the money. Please help. 

Thanks, XXXX
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I disputed this once and received a response from IC System stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with XXXX XXXX XXXX, I have gotten no where with them to remove the tradeline entirely. See attached documentation - IC system responded to my complaint to remove it and I have the letter from IC system stating this is to be removed completely. XXXX XXXX XXXX have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on my credit.
Consumer complaint received 2019-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I received my credit report and seen a company reporting inaccurate information and according to the FCRA this is unacceptable. Ive never did business with this company Ive never spoken to anyone about this debt. Ive been apart of identity theft which is stated with the FTC along with all credit agencies. Im getting blamed for something I have no knowledge of.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (WY)

The account has been paid. On XX/XX/XXXX and XX/XX/XXXX we had a 3 way communication between the XXXX XXXX representative, collector representative and myself. XXXX had informed them that the bill being collected was a part of a previous bill that had been paid already. XXXX provided them the payment details and verification codes. EOB was sent to the collector. This bill was when I had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had met all my deductibles with XXXX. I also have XXXX that would have covered any balances left over, if ever. I am a responsible citizen who abide by the rules and pay any obligations due on time.
Consumer complaint received 2016-05-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (CT)

Paypal credit is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s )
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXX XXXX  wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX  XXXX  XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-10-01
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. (FL)

Last active dates are different ( XX/XX/XXXX XX/XX/XXXX ), charge off/collection between XXXX XXXX XX/XX/XXXX but the month of XXXX no data provided. Past due amounts on closed accounts
Consumer complaint received 2023-01-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (CA)

There is a XXXX finance statement filed also I am a secured party creditor enacted by uniform commercial code the body of laws governing commercial transactions in the US. These debt on account have been place on debtors of accounts.ther is intrest in the debt for XXXX XXXX XXXX XXXXThe interested secured party creditor is XXXX XXXX XXXX These debts should be removed from aTHE NAME LISTED ABOVE.ALL SECURED PART CREDITORS HAVE BEEN NOTIFIED.
Consumer complaint received 2019-12-09
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: CITIBANK, N.A. (TX)

I received an offer from CitiBank for a 0 % promotional APR on balance transfers until XX/XX/XXXX. I wrote a check to myself for {$10000.00} and deposited it into my checking account on XX/XX/XXXX. I called the bank today to see if the check had cleared and the agent said it hadn't. He asked me for the check number, which I gave him. He then responded that they didn't have any 0 % promotional offers with those numbers, but he could take care of it with a higher interest rate.
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

Our mortgage provider has closed our escrow with a surplus ( owed us ) of  {$980.00}. 

They are still collecting escrow which, is INCORRECT. Please help me collect the monies that are a surplus on our account. Thank you, XXXX and XXXX XXXX
Consumer complaint received 2019-12-09
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: Millco Management (DE)

Follow Up to Complaint/ XXXX AMERIFINANCIAL responded to my complaint by stating that they never recieved a request for validation.I am resending this request along with photo proof of my request to the address that has been provided ( XXXX XXXX XXXX XXXX , MD XXXX ) I am also sending HIPAA violation letters to each of the credit bureaus which include my intentions to pursue litigation if this matter is not resolved and the damage to my credit profile has not been repaired. 
ACCOUNT # XXXX
Consumer complaint received 2022-11-10
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: WELLS FARGO & COMPANY (TX)

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, AND XXXX  ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER XXXX ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

My father passed away on XX/XX/XXXX. I notified his credit card companies ( Elan and XXXX XXXX ). Both said that the accounts would be closed and no additional charges could be made. Per my request, Elan sent a refund for {$120.00} on XX/XX/XXXX, as there was a credit on the account. 

My deceased father received an XXXX statement from Elan with a {$49.00} charge from XXXX XXXX XXXX MD. XXXX ) I have no idea who this is, and XXXX ) there were not supposed to be any additional charges on this card as of XXXX. 

I called Elan on XXXX. At this time, representative XXXX told me that the account was not closed. She referred me to the deceased cardholders department. 

I called this department on XX/XX/XXXX. Representative XXXX said that they have kept the account open for charges bc they didn't receive a death certificate from me and couldn't find one as part of public records ( In contrast, XXXX found it in public records and closed the account immediately when I called them. ) XXXX says that I must fax the death certificate and wait around 2 weeks for it to be processed. In the meantime, the estate is financially responsible for any charges made on the card. 

Regarding the current charge, she said it is up to me to contact the business. However, I don't have any information on how to do so.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (NJ)

On XX/XX/2020 I received an email about unusual activity on my chime account, since then I have been emailing back and forth to Chime Support to regarding my balance that have been left in my account after the closure of my account. Chime requested several documents that I sent over for verification. Were now 2 years in and Chime has not sent me my money from my account.
Consumer complaint received 2021-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

This is a follow up to the complaint I submitted on XX/XX/2021. Despite me making a payment on that date, Nelnet continues to show my account as past due. My payment is due on the XXXX and I logged in on XX/XX/2021 to make a payment and my account is showing past due and when I select the link to make a payment, I get an error message. I have screenshot both the past due message and the error message, attached. Prior complaint number : XXXX.
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (CO)

I had a auto loan through XXXX previously and the bank was purchased by PNC. It took me months to actually get access to my account. I finally ( after being hung up on at least 10 times ) got access to my account, got logged in and made a payment. 6 days late... 

That said logged into my account for the second month and tried to make a payment. This time everything appeared normal, except when clicking on submit. Get an error on the page that said the payment couldn't be scheduled. Tried to do a second time, with same error. 

Proceed to try to add a new external account and it informs that I can't have the same account added twice in the online portal. Proceed to delete the original as following directions on the website, and it informs me I have scheduled payments? How could this be? Oh looky there, PNC has now two scheduled payments and 0 ways to unscheduled a payment. Payments they informed errored out so we submitted again. Yet they are still going through. Customer support is not available to fix the issue. 

PNC shouldn't be in charge of managing a XXXX yet alone peoples money and lively hoods. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NY)

application for refinance, never ending. from loan estimate to several closing dates. they now have a new appraisal and took 3 weeks to pass the estimate to me. repairs are to be made [ outside ] now need a va wavier until spring. no response to email asking what to be done now. they simply don't reply and have cut off my phone. you can't call the main #. it appears they are unwilling to proceed with the loan. [ original application XX/XX/19 ]. have changed stories constantly. if they don't want the loan just say so, tell me why. it appears they are trying to run the clock out [ after they took another {$500.00} for an appraisal. 120 day mark not far away. no movement on their part and just make it up as they go. EXAMPLE : the va says appraisal can have 3 to 5 days after completion to notify me of finding. they took 3 weeks. hope this gives you an idea
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

The credit reporting agencies such as ( XXXX XXXX, equifax, XXXX, XXXX XXXX, XXXX XXXX, etc ) are reporting accounts, dept, and public records on my personal credit reports that do not belong to me.
Consumer complaint received 2019-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I fervently dispute the amount you ( Macys ) says I owe ( {$4100.00} ). For the past three years, Macys has been charging me for a ring I NEVER PURCHASED! This is so ridiculous! I am XXXX  and thus is unable to understand my statements well. I only see the balance, so I've continued making the payments not realizing until lately that my balance has not been going down but getting higher. I have been doing that faithfully for the past three years. Recently I realized that despite my years of payments, my balance has not gone down. After having a friend look my paperwork over for me, I eventually discovered that Macys charged me for a ring I never purchased. This is highly unacceptable. Therefore, at this time or anytime I dispute this balance of {$4100.00} on my account and demands that you immediately take this off my credit and account as well as send me proof/documentation with evidence that it was indeed me who purchased the ring from you three years ago. I am so disappointed I have never experienced this in my life, and I am a faithful payer, and to add insult to injury I have spent upwards of 10s of thousands of dollars with you over the years. 

I have been made fully aware of my legal rights and your obligations and potential liabilities under law and expressing my intention to pursue any and all available legal remedies against Macys should this letter fail to generate an appropriate response.
Consumer complaint received 2021-11-15
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. (NC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I regards to my previous complaint # XXXX. 

I am in receipt of a written correspondence from Equifax stating they were unable to locate a consumer profile in their database. Equifax then continued to demand private information from me to allegedly verify my identity. This is quite a contradicting demand and response. According to Equifax they have no consumer profile in their database for me so how is it Equifax demanding information to verify something they claim to not posses? How will Equifax verify this? If I provide my private information what database will Equifax match it against to verify my identity? Furthormore, Equifax have ignored my demands I have made in my previous complaint # XXXX. 

As a private XXXX XXXX I am entitled to reserve all my rights pursuant to the 1974 Privacy Act. ( The Privacy Act is a federal law in the United States that regulates the collection, maintenance, use, and dissemination of personal information by government agencies. It was passed in 1974 and applies to all executive branch agencies of the federal government. The Privacy Act places restrictions on the collection, use, and dissemination of personal information, including the requirement that individuals be notified of the information collected about them and given the opportunity to correct any errors. It also gives individuals the right to access their personal information held by the government and to seek redress if their information is mishandled ). 

Now that I have made that clear that I have not given any consent for Equifax to infringe, furnish or sell my private information I must highlight the fact that Equifax is has received Multiple documentation proving my identity. 

I have attached substantial evidence that Equifax has received these documentations and also My proof that my information has been in Equifax 's Data Breach. 

All this is UNAUTHORIZED USE OF MY PRIVATE INFORMATION BY EQUIFAX. 

THIS IS MY LAST ATTEMPT TO RESOLVE THIS MATTER IN GOOD FAITH. 
IF EQUIFAX DOES NOT RESOLVE THIS MATTER AT ONCE I HAVE NO CHOICE BUT TO DO A FIOA, AND GET THE IRS, DOJ, FBI, SSA, SEC, XXXX, INVOLVED.
Consumer complaint received 2021-11-15
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. (FL)

I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against XXXX XXXX / XXXX XXXX.