davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
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: DISCOVER BANK (MI)

i bought a storage shed on XXXX through XXXX  website Order # : XXXX Order Total : {$370.00} i was given request # XXXX on XXXX when i reached out to XXXX for help through their site, XXXX  told me to call them which my schedule prevents me from it and i told them that and asked for the email to be forwarded on XXXX and i was given request # XXXX and never received any email communication since. XXXX i initiated a dispute with my credit card and i had tremendous issues with them where they closed the case out shortly after it was opened which prevented me from submitting any type of documents and i kept telling them that and they didnt want to listen and the mail system has been completely unreliable. which led to a XXXX  complaint against discover on XXXX XXXX  complaint # XXXX over the issue and asked the XXXX  to submit documentation and they have confirmed discover received documentation on several occasions and discover claims no such thing occurred however the XXXX  refused to let me know who the documents was sent to and by what method and i made several attempts with the XXXX  on it including at the highest level at the XXXX  ( Complaint XXXX ). i had also followed up with discover and filed a complaint against the case handler and asked for my money back as well.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NY)

I applied with Barclays back ( jet blue plus card ) was sent a letter asking for address confirmation, sent in all the information requested never heard back or got a denial letter. Tried calling multiple times just to get the run around spoke to numerous people all with the same run around sorry wrong dept.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (AL)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, AL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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)

In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXXt Account # XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX**** 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 In accordance with the Fair Reporting act Convergent Account # XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX 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
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have been trying to resolve an issue with Synchrony Bank on a XXXX XXXX credit card/promotional purchase initiated last XXXX and autopaid by setting up on Synchrony 's website, in equal amounts on the payment due date prior to the offer expiry to not be charged interest. 

We found out that Synchrony had been incorrectly registering the payment the DAY AFTER the due date, resulting in increasing late fees and then interest every cycle. They also kept making numerous harrassing phone calls and leaving messages several times a day. 

We have spoken with their contact center several times, the calls lasting at least an hour, with requests for escalation and to remove the charges. We had several extortion-like requests to pay part of this fraudulent balance if they would take off interest and one late payment, and conflicting statements from every person we spoke to. This last call today was finally escalated to a supposed manager who was rude an refused to do anything. Upon request to talk to someone above her at a VP level and be transferred to a US based person, was placed on hold again for 20 minutes then disconnected. 

They are basically trying to strong-arm money for a mistake they made, and do so by trying to wear you out over the course of the call, putting you on hold numerous times, promising to put you in with a specialist, then coming back on the line with extortion to get you to pay. 

I want my credit to not be affected and the " balance '' erased. I paid this in full on time with way more than the minimum payment each cycle to meet the terms of the offer. 

XXXX XXXX, who I have been going to for decades, also needs to address this with their management and the use of this bank for their credit accounts. Already know they became Synchrony from GE Cap due to their continuing fraudulent practices. 

PLEASE HELP!
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (DC)

I am disputing PNC paper statements overdraft fees of {$4.00}. Due to the fact I was initially restricted from online banking options, upon opening the PNC account on XX/XX/2021 With that restricted online banking, no virtual access to my account, I can not select the paperless online banking statement options.
Consumer complaint received 2022-10-14
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. (GA)

INCONSISTENT AND INACCURATE INFORMATION. ONE GLANCE ( SEE ATTACHED PICTURE ) AND THE INCONSISTENCY IS OBVIOUS. I ASKED THAT THIS DEBT BE VALIDATED AND VERIFIED WITHOUT RESPONSE. THEY CANT EVEN AGREE ON THE ORIGINAL LENDER.
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

Was scammed for {$100.00} on XXXX through my PNC bank app. Someone by the name of XXXX XXXX on XX/XX/XXXX tried to get hundreds from me via refunds and creating a fake XXXX email address to receive funds. I spoke with PNC two days ago and they could not guarantee me a refund for the transaction.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (FL)

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
VW CREDIT XXXX XXXX Opened Date XX/XX/2018 Balance {$9900.00} // Charge Off
Consumer complaint received 2019-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (FL)

I have used Walmart to Walmart many times to send & receive money. I was diagnosed with XXXX XXXX in XX/XX/XXXX, ended up having 6 XXXX, XXXX and XXXX treatments. I was out of work 10 months and accumulated medical bills over {$250000.00}. As a result of my illness all my bills are behind. My aunt was kind enough to send me {$2000.00} XX/XX/XXXX as a loan until I am able to get back on my feet and repay her. She did not hesitate as I had done the same thing for her when she needed a loan. I went to Walmart and gave the customer service rep my ID and ref #. Only to be told at XXXX XXXX the transaction was on hold and my aunt had to call the RIA Money Transfer customer support team number : ( XXXX ) XXXX at the top of the receipt. I called her back and she immediately called They asked her to verify her info, my info, how we were related and why she sent me the money. She answered all their questions and was placed on hold 3 times because she was on her cell phone with me while she spoke to RIA on her home phone. They told her there was fraud and my aunt said there was no fraud because she confirmed she sent the money to me. Needless to say they would not release the money to me but they had no problem taking my aunts money to begin with and she said they never once told her about any fraud when they gave her the receipt with the reference #. Their own website says you can send up to {$2500.00} online and any over this amount to go to Walmart or agent. This company is the worst. Why is that Walmart feels the need to use an international company that they know is ripping off their consumers. They never want to take responsibility even though they are pocketing our money. Please help ... my aunt lost her fianc and daughter 2 months a part and she took care of me when my mother died. I do not want this company to scam her out of her money.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COAST PROFESSIONAL INC (PA)

Received letter from US Department of Treasury Fiscal Services today XX/XX/19 that my refund was applied to a debt to US Department of Education ( XXXX ) XXXX. I called the Department of Education and spoke to 2 agents and both stated that the agency did not withold my refund. I called the US Department of Treasury Fiscal Services and the number was an automated line ( XXXX ) XXXX and it stated to call ( XXXX ) XXXX Coast Professional Inc. in regards to the money. I called and spoke to an agent named XXXX who was very rude and spoke in a harsh tone to me and told me that she could not tell me anything about the reason why my money was taken and told me to call ( XXXX ) XXXX. Then hangs up on me. I called the number but the female agent that answered told me that it was the wrong department and for me to call Coast Professional Inc. I told her I just got off the phone with them and spoke to a XXXX and was told by her to call this number. I then asked for the Supervisor and he came on, named XXXX and he said he couldn't tell me anything about why my money from my tax refund was withheld. Then I hung up and now I am filing this complaint. They took {$7600.00} and are refusing to tell me why. In addition, the letter from the Fiscal Services states, " Before sending a debt to Fiscal Service, an agency must send notice to you. '' My husband and I never received a notice from Coast Professional Inc. about any debt nor about our tax refund getting garnished prior to the letter received today XX/XX/19. This should not be allowed and this is theft.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2020-12-17
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. (NY)

I am writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on my credit report.
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX Paypal initiated an EFT of {$110.00} from my XXXX XXXX Account without my permission for a debt NOT owed and repeatedly disputed. Shocked by their email confirming the payment, I immediately called XXXX XXXX to return the payment to my account. 
On XXXX XX/XX/XXXX Paypal confirmed that 'Your bank declined the funds transfer on XXXX XX/XX/XXXX ' stating " Your recently attempted to transfer funds from your bank account to your PayPal account. '' Outraged by their audacity to allege attempts I never made, I instructed XXXX XXXX to 'STOP ANY PAYMENTS TO PAYPAL XXXX ' On XXXX XX/XX/XXXX PayPal again attempted an unauthorized EFT from my account stating : " Thank you for paying your XXXX account balance. '' They continue to make up these statements with no proof & no scruples! 
Since this hasn't worked, they send me periodic emails stating 'Your bank account is showing suspicious activity. ' As recently as yesterday! It makes me panic and call the Bank. This is a SCAM perpetuated by PayPal! 

Transaction ID : XXXX / Transaction Date : XX/XX/XXXX XXXX XXXX Merchant : XXXX XXXX, Invoice ID XXXX. 
Please note I closed my XXXX account on or about XXXX XXXX with a full and final payment of {$110.00}. 
On XXXX XXXX confirmed payment & noted via email : Total invoice amount due : {$0.00}.
Consumer complaint received 2021-06-17
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. (CA)

EQUIFAX continues to inaccurately report THE XXXX XXXX XXXX as a collection on my credit report without being properly investigated. After investigation, XXXX  has already deleted this erroneous collection from my credit report. The major credit agencies are required to investigate disputes and accurately report.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

On XX/XX/2021 XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Nj charged me for services I did not receive! I spent maybe {$40.00} they charged my card {$390.00}. I disputed the transaction with my bank ( pnc ) and they gave me a temporary credit of {$350.00}, XX/XX/XXXX they took the credit back! Why I do not know. This is unbelievable.
Consumer complaint received 2018-07-19
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. (IN)

The three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -XXXX , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted XXXX  and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.