davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
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: BARCLAYS BANK DELAWARE (IN)

I was charged for something I did not do or authorize on XX/XX/2021. I have communicated several times with Barclays XXXX credit card by phone and by their secure message center. They removed charge at one point and reissued card. However later they chose to reinstate charge and we have discussed in writing and by phone ad nauseam. Last message they sent said if I call in they would take charge off but when I call in they say there is no such note on my file and they can not access message center (? ) to confirm. It's all beyond ridiculous and frustrating. They can't seem to understand I DID NOT MAKE OR AUTHORIZE CHARGE and keep billing me for it. Its like trying to converse with a fish to get this resolved.
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (TX)

unfortunately a victim of a ruthless evil romance scam involving multiple people that lasted for 6 months. would not wish this to happen to anyone else total losses exceed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PNC Bank XXXX XXXX XXXX
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

I bought an automotive part online. Paid with Paypal. Two weeks later I received nothing. 

I called paypal. They refused their last name. They claimed her first name XXXX employee # XXXX and XXXX employee # XXXX. They did nothing to help me. The refused to look at the tracking. Package was shipped to a different address than my order. No refund. No help.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I first met XXXX XXXX on a social meeting site, XX/XX/XXXX Thursday, user handle name XXXX She immediately asked what I did for a living, I asked the same question, which she replied back stating being an XXXX of a cosmetic shop, a XXXX to modeling companies, makeup goods She was born in XXXX, moved to the XXXX when XXXX XXXX XXXX, her father is from Florida, her mom from XXXX She asked if I rent a place to live or do I own a residence I asked if we could meet for lunch and a movie She replied back that she was in Kansas to acquire goods from the clearing agent from XXXX and supply a modeling company in Kansas She said she is a XXXX who works with XXXX XXXX in NY, which she acquired a contract with them to supply them with makeup artist cosmetics The large wire transfer payments were sent on XX/XX/XXXX and XX/XX/XXXX to purchase goods in order to fulfill 45 clients. These payment needed to be paid before receiving commission on the contract In return a commission payment she would receive once fulfilling a contract with the modeling company to supply cosmetic goods Smaller payments made thru paypal made were to workers she hired for logistics on the cosmetic supplies As my knowledge with communicating with XXXX, I still have not seen or received any payment back, I truly believe that a commission payment is non-existence
Consumer complaint received 2021-10-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WI)

In XX/XX/2021, I noticed that XXXX was show showing inaccuracies regarding XXXX Acct. I asked XXXX and XXXX XXXX XXXX to investigate and delete as it was reporting inaccurately. XXXX fraudulently claimed " verified '' while XXXX stated they couldn't locate an account or dispute from XXXX. 
I then asked for method of verification and XXXX claimed XXXX. I immediately asked for a reinvestigation and sent copy of email from XXXX contradicting XXXX. 
Instead of deleting the account, XXXX 'updated " account showing more negative months than before. 
Then I once again asked XXXX to prove they were reporting correctly and to send me a copy of contract. I was ignored. Then I contacted Innovis who reports to XXXX and was again ignored. Then I called XXXX and was told the account would be deleted in full. 
XXXX refused to delete. I even sent proof that XXXX was reporting the account completely different than XXXX, that XXXX deleted account entirely. Still XXXX refused to delete account. 
XXXX is in clear violation of my consumer rights and is violating the FCRA rules/guidelines. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.
Consumer complaint received 2022-09-30
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 XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX have violated my right 15 U S C 1681 section 602 A States i have the right to privacy 15 U S C 1681 section 602 A section 2 it also states a consumer reporting agency can not furnace my account without my written pemission
Consumer complaint received 2023-03-27
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: Self Financial Inc. (VA)

Late Payments on credit report In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Due to these violations I have a right to sue per violation.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my Apple Card account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

Thank you for your consideration. 

Have a blessed day!
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

The bank clerk refused my withdrawal request ( last 5 minutes before they close ). 

We believe we experienced discrimination at this location while the cashier clerk pretended to be soft but actually tried to make it difficult ( e.g. asking for passport while i provided my US driver 's license already ). She kept the argument rising using her discrimination attitude and finally she could find a reason to refuse service in the last 5 minutes before they close. So in the end we just couldn't have a simple withdrawal. 

I have been a PNC customer for over 10 years. 

PNC Bank XXXX XXXX XXXX, XXXX XXXX, NJ XXXX
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HAWAIIAN, INC. (HI)

Contacted the bank to report unauthorized charges to the account. Bank refused to do anymore of the investigation to my account for unauthorized charges. Provided detailed information about the issue of the charges and have explained to them about what was happening. They said that the information given on this form was an error and that the charges were made by me. From the bottom of that I was charged additional to my account and it started reoccurring charges on my account. They never called me back for the confusion of this matter instead of saying it was no longer a case to solve this problem then ended my case. Charges was all from XXXX and XXXX. With this situation my credit score decreased tremendously and I was not able to apply for a loan. I've been scammed multiple times by the action from the past from banks that pretending to be an actual credit card company confirming my account. Given the fact that I received phone calls to contact the police and transferred me to the police office and no record was there to be contacting.
Consumer complaint received 2022-09-30
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. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$340.00}.
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

I had 10 unauthorized transactions posted to my chime account between XXXX XXXX XX/XX/XXXX. 
I promptly disputed them, sent in 3 forms as it was 3 separate dispute numbers, and have waited over 10 days for a resolution. Still have not recieved a provisional credit or any type of resolution. The dispute # XXXX are XXXX XXXX XXXX
Consumer complaint received 2021-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I refinanced my home with XXXX XXXX XXXX XXXX XXXX and my first mortgage payment was made to them XX/XX/XXXX. The loan was then sold to another lending institution but XXXX XXXX did not convey the XXXX mortgage payment. I tried to get XXXX XXXX XXXX to correct this but after 5 months of effort, I was forced to make the XX/XX/XXXX payment again to the new lending institution to avoid being in default. 

Every attempt to reach XXXX XXXX XXXX was unsuccessful. I called every phone number listed but could never reach a human, I sent a certified letter ( marked received ) and even drove to the XXXX XXXX office listed on their website ( which they have never occupied ). 

Note of clarification : I paid XXXX XXXX XXXX  twice on XX/XX/XXXX ( in error ), and they did return 1 of those payments.
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (NY)

I am having an issue with the three major credit bureaus Equifax, XXXX, and XXXX. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA XXXX
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$340.00}.
Consumer complaint received 2020-11-09
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: EQUIFAX, INC. (FL)

There is an account showing on mine and my husband 's report that is not correct. It's XXXX XXXX XXXX XXXX. We have disputed it with the bureaus and it still hasn't been resolved. They are showing the account charged off many years ago but has a balance of {$220.00} and a past due balance of {$1100.00} how in the world is that possible? There was no investigation otherwise this thing would be lined up.
Consumer complaint received 2021-09-15
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. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-08-12
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: WELLS FARGO & COMPANY (NJ)

Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, XXXX and TransUnion refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, XXXX and TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX DateOpened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX XXXX, XXXX Balance {$1800.00}
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I'm a XXXX for a volunteering nonprofit from XXXX, Florida that supports a lot of other charities with donations. We had about {$6200.00} in our account. 

About two weeks ago I got a call from one of their customer reps saying that I needed to come to verify the proof of the lease on our po box address ( a voicemail I listened to prior to coming in ). This was an issue caused by Chase improperly setting up the business banking account, when it was opened a month ago. I came to fix the issue on XX/XX/2021, and their rep informed me that the account has been closed. Then, she brings over the branch manager who proceeds to lie to me that I was informed that the account would be closed, if I didn't bring the proof of lease in a certain amount of time ( I still have the voicemail on the phone that does not mention that ). She then tells me that the check will be shipped out for the balance of the account, and that there is no possibility of reopening of the original, but that I could open a new one. At this point, hearing enough maltreatment, I just walked out. 

I then spend two hours climbing the tower of phone customer reps to get to the one who deals with extreme cases like mine. She tells me that she understands my justified frustration, and that she will inform her supervisor of this, but that she can do nothing for me ( except for opening a new account, after I get the check ). She also informed me that the bank does not inform accountholders of account closure, which is a terrible practice. I could have been writing worthless checks and not even know it. 

We still haven't received the check ( it's been 9 days ), so I can't even open a new account with another bank. Holding on to our money, after they closed the account is theft.
Consumer complaint received 2021-10-24
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: GOLDMAN SACHS BANK USA (LA)

I purchased an Apple XXXX XXXX and financed through the Apple Goldman Sachs card XX/XX/XXXX. The phone was shipped to a diplomatic pouch but rejected due to the battery. I confirmed with Apple that the phone had been received by them and requested a refund. Everything was sent to Goldman who instead of issuing a refund, put in a dispute credit. I was given a provisional adjustment of {$870.00} in XX/XX/XXXX and because I called Apple again to confirm the phone was received, I thought everything was settled. However, the monthly installment payments for someone reason re-initiated without my knowledge in XX/XX/2021. I paid {$36.00} without knowing it but caught the next installment payment in my XX/XX/2021 bill. An attempt to rectify this situation with Apple resulted in a 20+ min phone call with Apple where the call center person could not even figure out how to connect me with Goldman Sachs . This convenient demarcation between Apple the store and Goldman Sachs as the financier means that I will have to go through who knows what to get this resolved. I have screenshots of my phone waiting time, the dispute resolution credit, and the reinstatement of my installment payments. My latest call with Apple, which did not solve the issue, happened on XX/XX/XXXX, at XXXX XXXX EST. I was told someone would call me directly from Goldman Sachs. I did not receive a call to continue to deal with this issue.
Consumer complaint received 2021-10-24
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: I.C. System, Inc. (NC)

I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way.