davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (CT)

PayPal Credit signed me up for unwanted online credit, which I did not request or authorize. It also sent me a credit card statement with XXXX charges on it that I never ordered. Please see my letter to PayPal Credit dated XX/XX/2016 which gives more details on this issue.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (CA)

This is with regards to an existing CFPB case # XXXX. As instructed by Citibank, I requested my lender, XXXX to pull a new credit report after XX/XX/XXXX. A new credit report was pulled on XX/XX/XXXX and does now reflect the correct report date of XX/XX/XXXX. However, the reporting credit bureau ( XXXX ) is is reporting a Code of " XXXX '' and my lender is not able to approve my loan through their automated underwriting system. According to XXXX XXXX, the 3rd party credit reporting company, XXXX is the only Bureau that would report this as an " XXXX ''. The other XXXX bureau 's would report as an " XXXX '', however, for reasons that could be explained neither XXXX nor XXXX are reporting this account. I have attached a copy of the credit bureau reporting codes. My account was approved and settled for less than the full balance and was not a charge off or collection.
Consumer complaint received 2022-05-16
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged the following items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/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 2020-06-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I am trying to set up XXXX ( investing app ) but the app says PNC wont allow it to work and to contact you. I tried to set this up last night ok the XX/XX/20 at XXXX XXXX but nothing worked. I tried this morning thinking it was down for maintenance or something. Again it did not work. Today is the XX/XX/20.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NM)

On XX/XX/2022 I receive a message saying my account was locked. XXXX days prior, I made a large credit card payment by mistake that overdrew the account. To amend that error, I started to deposit money each day. The issue arose when I switched my primary bank account t this account was connected to. I had to open a new checking account recently and all my money to make that card payment was in there. Even though these were actions done by me, the account owner, they locked my account. 

XXXX cases were opened up after I called their support team. Both of them asked me for the same info : my ID, Bank Statement ( which was empty because the account was new ), and a screenshot of recent transactions which showed the XXXX {$2500.00} deposits I made. After providing this information to XXXX case on Thursday and another on Friday, Ive been ignored by the Credit Karma Spend account support team and they have locked out access to {$5000.00} in cash. Ive tried calling them and they give me the run around. After not hearing back on this money I really need back, I decided to submit this complaint. These were actions I took and I need my money back.
Consumer complaint received 2022-05-15
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: VYSTAR CREDIT UNION (FL)

In accordance with the fair credit reporting act XXXX  account has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor can not treat a payment under aN open end consumer Credit plan as late For any purpose
Consumer complaint received 2017-01-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

PNC Mortgage keeps calling every month on the XXXX XXXX to tell me that I am late, they will keep calling until I pay, this harassment most stop where is the gov. to stop these Bank from harassing people, we all know this is wrong so why does n't the gov. just keep fining them each time they do wrong, if they could harass us then we the government should harass them, this is not the only thing this Bank does to people, its in this complaints on this site, I say if you have more then XXXX complaints about the same thing then there is no reason for the gov. to investigate, tell them to stop these practices, then stat to fine them, whats so hard to see, business and Government know what wrong, and know people have hard times sometime to pay due to unforeseen maters and people know that they are late so why let these greedy company 's harass us.
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

On XX/XX/2017 I checked my XXXX Credit report and this company out of nowhere appeared on my credit report from Conserve. Who ever this company is they did not send me any letter of this debt, which they violated my rights to dispute any debt that is in my name. I have never seen nor heard of this company until I got an alert of an collections on my credit report. This company violated my rights.
Consumer complaint received 2022-05-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 an account without my written instructions 15 U.S.C 1 681c. ( 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 2020-06-10
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)

I discovered quite by accident by reviewing our credit reports that the credit score dropped from XXXX to XXXX or 78 points. The reason provided was that our mortgage company reported an increase in the balance owed of {$2000.00}. Of course I immediately contacted XXXX XXXX  ( this is a VA guaranteed loan ) who stated that they had made a mistake that our status should be in " Forbearance '' pursuant to the Cocid-19 Cares Act. Which in essence pauses everything for up to 180 days. They confirmed that they had my request in writing and was immediately making the change in their records. I asked them to rescind or correct the derogatory information that they provided to the credit bureaus. They said they would do so. It is now XX/XX/2020 and after at least three follow up calls I still have not received a requested confirming e-mail to that affect nor a correction of the credit reports. 

Simply stated we should be protected by the Cares Act while we are in Forbearance status. They can't change the terms of the note, trust deed etc. without having both parties agree in writing.
Consumer complaint received 2022-08-04
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. (MA)

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX 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 2016-08-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I urgency, I have been trying to obtain a copy of my Experian credit report since XXXX 2016. I have written to Free Annual Credit report for my Experian file and sent them my address details ; date of birth ; I have been on line to Free Annual Credit Report and requested a copy of my Experian file and I have been denied. I have telephoned and requested a copy and was denied. Why am i unable to receive a copy of my Experian Free Annual Credit Report, I have received my XXXX XXXX and XXXX but not my Experian file ... I need my credit report URGENTLY and it is my right and I should not have this problem.
Consumer complaint received 2022-11-12
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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, 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 2022-05-15
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CRESCO CAPITAL INC. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 Cresco capital  XXXX. XXXX XXXX {$59000.00} Late payment becouse the sold me a truck with many mechanic problem and they no help me with a payment plan and now the reporting XXXX Late payment in my credit report and it is affecting me and my family life XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, ia XXXX Phone XXXX
Consumer complaint received 2020-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I am writing in regards to an collection account that is being reported on my XXXX  and XXXX   reports every Month with a Balance of {$390.00} this account is not mine. the Company is National Credit Systems.I never signed any Documents with this company. they removed the item off my XXXX  report last year. but it is still reporting negative with XXXX  and XXXX. I know the FCRA states collections, charge offs and late payments should not be reporting if they are closed. especially if they are close ended accounts. I have sent dispute letters. and they always say verified or accurate. they always fail to show me proof. I would like original contracts showing my signatures.I would like these negative items removed immediately. I feel like they are breaking alot of rules. please help me resolve this matter. 

thanks
Consumer complaint received 2017-04-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

I have a Care Credit account at Synchrony Bank. I went to the website to have {$100.00} withdrawn from my checking account each month. Unbeknownst to me, the option to " pay In Full '' was also checked. ON XX/XX/XXXX they withdrew {$3000.00} from my checking account. I did n't check my account for a week as I had a running total in my mind as to what I had in the bank. Again unbeknownst to me, My bank had been withdrawing from my savings to pay my bills. I called Synchrony for a refund and they said 3 to 5 days, I called a second time and was told 7-10 days, the third call I was told it would be 15 days, the fourth call, which was yesterday XX/XX/XXXX, I was told two to three weeks and TODAY I was told the check had been mailed XX/XX/XXXX. I still do not have my check, I have overdraft fees and I am hungry. I am beyond furious. I asked for a transcript of my calls and was told I could n't have it. I did ask for them to wire the money back to me and I was told that they could n't do it. My brother who is a XXXX in Illinois said that they can but obviously did n't want to. He is the one that suggested I contact this agency.. I have complained to the BBB and would like to know if there is anyone else I could contact. PLEASE help me!!!
Consumer complaint received 2022-05-15
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. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2022-05-15
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I work with FedLoan Servicing for repayment of my loans. They send me e-mails every month reminding me that I have to make my payment. However, I 've noticed they 're very sneaky when it comes to re-certifying my income based repayments and PSLF status. They sent one single reminder in XX/XX/2016, three months before I was due to re-certify my IBR plan. They did n't remind me at all to re-certify my PSLF plan. I believe these are deceptive and intentional practices made in an effort to A, cause me to lose my IBR payment plan, thereby causing me to have to make a substantial payment or else use forebearance, and B, to keep me from having my PSLF loans dispersed. Otherwise, why give me only one brief notice 3 months prior to a due date and not give any notice at all for my PSLF plan 's expiration? As I said, every month they remind me I need to pay. But when it comes to limiting my payments or alleviating the expense of my payments they are quiet. To me this is a deceptive practice. I should receive monthly reminders up until my plans expire, just as I receive reminders that a payment is due. Because I missed the IBR re-certifying deadline they wanted me to make a payment that was 3 times what my income-based payment plan would have been. Had I not taken my own initiative to re-certify my PSLF plan, my loans would be delayed in being dispersed.
Consumer complaint received 2022-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (TX)

Around XXXX XXXX  on XX/XX/XXXX or XXXX 2022 I was getting gas at XXXX truck stop when I bought a paypal prepaid mastercard backed by NETSPEND. When I tried to activate it online it said I needed to speak with a customer service representative. So I waited till they were open to call. Upon speaking with them I was told I was not eligible for their services and unfortunately they could not tell me why and I would have to be refunded and they would issue me a check with in ten business days. That was not acceptable at the time. That was literally every cent I had to my name till my next payday and now they are telling me I would have no money for gas or food or my morning coffee. Needless to say I still have not received my money and it has been round 30 days since I bought card. I was told they could not ACTIVATE CARD in my name. So I asked can we use my girlfriend. They said no cause I purchased it and it had been registered in my name but at the same time they say that the card is not active. So if it's not active yet why can't we activate it in my girlfriends name. It says no where on the packaging or at store where I purchased the card that I could buy the card but there was a chance I may not be able to activate it and have no access to funds till they mail me a check. I even asked them to restrict card so it would let me spend funds for purchases only and not be allowed to be reloaded and they said no. It's not fair to me or any other consuner. They should make people aware that when they purchase a card that they MAY NOT BE ABLE TO ACTIVATE IT AND NETSPEND HAS SOLE DISCRETION.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2021, I received {$50.00} for a lamp that a woman purchased from me. Her son picked it up the same day without issues. After a week she started complaining that the lamp took out her entire apartments fuses and that it is faulty. I claimed that the lamp had been working fine and literally plugged out and gave it to her son. I told her, I can take back the lamp and replace it with another that I also had ( I was selling both, she just needed one ). She started claiming that me and my wife are scary people and she wouldnt want to deal with us and is scared to meet us. I told her, she doesnt have to meet us, she can drop the lamp off with my buildings front desk and we will reverse the transaction. She kept insisting meeting at the police station which I didnt want to have to deal with ( she could throw a tantrum and wed have no way to defend ourselves and it didnt seem worth for {$50.00} ). So we said if she cant return it the way she picked it up, we cant reverse the money to her. 

She has paid me through Venmo on XX/XX/2021. On XX/XX/XXXX I noticed that XXXX dollar had been deducted from my account by Venmo. I tried to reach them in any which way possible to see how they could conduct a transaction on my behalf without my consent. After reviewing the case they told me that Venmo is meant for friends and family who trust each other to transfer money between. This should also apply to the woman who made this claim and based on her account of events, Venmo shouldnt also have the right to reverse this transaction without my consent. 

I have raised 2 dispute cases with Venmo and each time they told me I was in the wrong.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX Balance : {$66.00}
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX see attatched Reported by XXXX account ( XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX XXXX CANCELATION OF DEBT ** DEBT DISCHARGED {$9.00}, XXXX XX/XX/XXXX XXXX REPORTS TO IRS FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$9600.00} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a XXXX number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? XXXX CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT REPORTING & SELLS THIS DEBT CARDHOLDER NOT LIABLE? XXXX HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.