davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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. (AL)

XXXX XXXX XXXX XXXX and XXXX XXXX age of account XXXX XXXX. $ XXXX Collections. 
IN accordance with the Fair Reporting Act 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 : States a consumer reporting agency can not furnish a account without my written instructions..
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (PA)

This is in regards to the Equifax breach. I was told that I may have been infected by the breach so I called the hotline and they told me to sign up for the monitoring of my accounts. My complaint is that it is for only one year and I feel this is not long enough because a thief would wait for the year and then try to use my data. This is like a money maker for equifax because if anyone wants the protection will have to pay for something that Equifax let happen.
Consumer complaint received 2022-06-30
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. (CA)

I sent Equifax a notarized letter. Stating that they have violated my rights under the Fair Credit Reporting Act 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 an 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.
Consumer complaint received 2022-09-21
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: Informative Research (NE)

I saw two inquiries on my credit report I dont recognize. One on XX/XX/2022 from a place called informative research and one on XX/XX/2022 from a place called XXXX XXXX, pa.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

i opened an account through the XXXX XXXX XXXXXXXX, managed by PNC Bank on or about XX/XX/2022. On XX/XX/2022, i wrote myself a check for {$8.00} from my personal checking ( XXXX XXXX XXXX to " test '' out the App. The funds were deposited in my XXXX account and withdrawn from my XXXX account. On XX/XX/2022, the check was allegedly " returned '' according to the information available in the XXXX XXXX. However, this check was not returned and was successfully cashed against my XXXX account. 

On XX/XX/2022 I contacted XXXX through their messaging service in the App advising them of this mistake and requesting an explanation for this error. Thier reply was that the " check was never deposited, and was returned '' and that i should " work with the issuing bank. '' I rebuffed their response and was subsequently ignored. 

On XX/XX/2022, I contacted XXXX and verified that the check was successfully cashed by XXXXPNC and obtained a copy from my account records. I also verified that the funds were never returned to XXXX by XXXX/PNC and that the funds in my XXXX account were more than sufficient to cover the {$8.00} check at the time of issue. 

That same day i called XXXX and detailed the facts above. The first representative was unable to assist and simply repeated that i should work with issuing bank. I asked to be escalated to a manager, who again repeated the same position, despite my insistence that i had contacted the issuing bank and confirmed XXXX was the one at fault. He advised that the matter would be escalated and i would get a response soon. 

Several days later i did get a reply, it was the same reply that i had received during every encounter with XXXX, that the check was returned and i should work with issuing bank. 

Since then i have exchanged several emails with XXXX, providing them with a copy of the cashed check, and my XXXX & XXXX XXXX statements reflecting the withdrawal of the funds and absence of any return. To date, the matter is still unresolved.
Consumer complaint received 2022-06-30
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. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX, XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2022-06-30
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. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX, XXXX XXXX 2XXXXXXXX XXXX XXXX XXXX 3XXXX XXXX  XXXX 4.US DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2022-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I received an email from Mr Cooper XXXX XXXX on or around the XXXX of XXXX regarding changes to how I can pay my mortgage which included changing my due date to meet my schedule. When I called on XXXX to inform Mr Cooper that XXXX wanted to change my due date I was told that I could not change. I referred to the email that I received and was told that they had not sent any emails to me and it was a scam. When I confirmed that the email did come from Mr Cooper I was then told that oh yeah I got it too but it was sent out by the marketing department. I was then told that the only way I can change my due date is to refinance my mortgage and that is why I received the email as part XXXX a marketing plan for the company. I feel the email was misleading and false or misleading. I
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

This complaint is to augment a previous complaint which we filed ( CFPB Complaint XXXX ). I will attach the previous complaint to this one for your reference. In short, PayPal responded to our original complaint in an unacceptable and unsatisfactory manner. PayPal removed money ( {$140.00} - XXXX XXXX and XXXX United States Dollars and XXXX cents ) from our merchant account due to a chargeback that our customer allegedly filed ( and wrongfully won ) directly with their credit card processor. Because of that, money was obviously removed from PayPal 's account and, in turn PayPal removed money from our account. There are many issues with the actions taken by PayPal and the unknown credit card processor which I will outline below. 

XXXX. The chargeback that the client allegedly filed directly with their credit card processor for " item or service not as described '' provided no evidence of how the item was not " as described. '' Upon later speaking with a PayPal account executive on XX/XX/2023 in regards to CFPB complaint XXXX, they similarly did not have, or apparently attempt to solicit, any evidence of how the item was " not as described. '' As such, we have effectively had money stolen out of our account and no one, including PayPal who took the money, has any idea why. I demand that PayPal either obtain evidence of how the product was not " as described '' or return the money. 

XXXX. In the conversation of XX/XX/2023 with regards to CFPB complaint XXXX, PayPal 's position was, essentially, that this situation was not their fault and that they had to go with the decision of the credit card processor whom awarded the chargeback to the buyer. This is, of course, an outright lie, because no one is obligating PayPal to take money from us simply because someone took money from them. Furthermore, upon asking for more information regarding the credit card processor and issuer, like, for instance, who they are so we can contact them directly, PayPal refused to provide this information. I demand that PayPal provide us with this information and/or be held accountable for the chargeback process and its results if they insist on keeping this information secret. We shouldn't be losing money to someone we can't even identify. 

XXXX. In the conversation of XX/XX/2023 with regards to CFPB complaint XXXX, the call must have either been disconnected and/or the account representative simply hung up because they could not defend their faulty position of taking money out of our account. I demand that, as a response to this complaint, we get a full resolution and a direct point of contact ( with a direct phone number to an authoritative account executive ) for the issue to ensure that PayPal 's account executives don't simply disappear without answering our concerns and leave us with their useless and ineffective general customer service team.
Consumer complaint received 2022-12-20
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. (ID)

I have on requested documentation of the information each credit reporting agency used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded stating they do not understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 3 separate requests were submitted to each company ; XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX of XXXX.
Consumer complaint received 2022-06-07
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. (IL)

In accordance with the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Consumer complaint received 2021-10-30
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. (TX)

On XXXX, I was approved for a line of credit for XXXX XXXX XXXX. XXXX XXXX XXXX failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX XXXX is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX XXXX defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX XXXX is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX XXXX contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX XXXX with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
Consumer complaint received 2022-06-30
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. (NY)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite 5 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date OpenedXXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date OpenedXXXX Balance : {$160000.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2022-07-28
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: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, N J XXXX 2ND Notice XX/XX/XXXX PAYPAL CREDIT C/O Synchrony Bank  XXXX XXXX XXXXXXXX XXXX Fl XXXXXXXX Via Certified Mail RE : XXXX XXXX SS # Account # This is the 2nd written request. You still have not complied and continue to charge fee to this account. In as much as you fail to comply with my request for documentation, I am NOW requesting that all charges be discharged and my account brought to XXXX {$0.00} This is the 2nd formal request to Freeze all Paypal Credit accounts under my social Security number ending with XXXX and stop charging fees and interest until the account can be verified. I have request numerous times over the last 24 months for a COMPLETE AND FULL DETAILED TRANSACTIONAL ACCOUNT HISTORY from the very first transaction, for which you have failed to provide a full accounting of all transactions and continued to charge me interest and fees. 

The earliest statement you have provided was for XXXX XXXX which already had a balance of {$3100.00}. I have never received COMPLETE AND FULL DETAILED TRANSACTIONAL ACCOUNT HISTORY FOR YOUR OPENING BALANCE PRIOR TO XXXX XXXX which you claim is {$3100.00} to include TRANSACTION DATE, VENDOR AND PURCHASE DETAIL this account from the 1st Transaction and 1st Dollar. 


I have never requested any credit from PAYPAL with the exception of a Paypal MasterCard which has a {$300.00} limit. Any and all transactions were to be a direct debit from my bank account. I, will not make any more payments or be held liable for interest or any fees not limited to late, past due and over limit fees until this account can be verified by me. For which you continue to make payment demand on the phone and by mail. 

In the quick review that I have made, there are charges for late fees for payments that were made on time and also double charges on the same day for the same vendor and amount. In additional to transactions unrecognizable This is just a few examples of the errors being made by your company. 

Sincerely ; XXXX XXXX In addition the creditor made attempts to charge my XXXX XXXX XXXX FOR THE PAST DUE LATE PAYMENTS THAT ARE IN DISBUTE.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TX)

I was scammed by XXXX XXXX he has attempted to open numerous accounts and was successful at opening one under XXXX with my name as the buyer in Texas XXXX XXXX XXXX as the merchant he got {$9500.00} after I already informed Synchrony bank that this was fraud/ identity theft Their investigation took three weeks and they opened him another card saying that I was involved because he had my drivers license number. I called synchrony again but they gave him another credit card which cost me {$9500.00}. there are several other companies that I filed disputes with through XXXX that I have not been resolved that I need help with. 

Thank you XXXX XXXX
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (OH)

My outbound flight TO vacation was canceled due to weather. I used the trip cancellation insurance to file a claim for reimbursement for the in bound flight FROM vacation. After months of emailing all the necessary documents, often 4-5 times, my claim was denied because they said I actually flew on that plane. I have submitted proof of the canceled flight, Ive submitted proof of the canceled trip, but I never got a real person to talk to me about this claim. 

After the denial, I asked for an appeal through Chases executive office, and that person told me the same thing, that because they believe I flew home from vacation, my claim can not be paid. I tried to show him all the documents I had previously shared with the insurance team, but he said it was too late now and he was closing my case. He said I can start the process over if I feel this is a mistake. 

Ive been at this since XXXX. Ive spent so much time and energy on this already, I dont think I have the patience to start over. This is very clearly an error on Chases part and theyre refusing to resolve it amicably. Im hoping the CFPB can help speed the process.
Consumer complaint received 2022-06-07
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: SYNCHRONY FINANCIAL (MS)

I Have been a card holder for quite some time and I have never experienced the kind of bad business experience as I Have with the merchant listed above. I tried to order a class ring, they could not get the text right on the ring I wanted, and the rep I spoke with on the phone could not speak XXXX XXXX too well, so I could not understand her too well, she hung up on me, so I told them to cancel the order on XXXX XXXX. I got a email today ( see attachments ), saying they have shipped the order after I told them I " CANCELLED THE ORDER ''. 
I see that I Have been charged for the order even though I requested it be cancelled within 24 hours of the ordering. As a American consumer, I do not have to pay for a service or merchandise I have cancelled before receiving it, and within a reasonable time limit before it is shipped, etc. I have a ' '' 'RIGHT '' to cancel a order and not be charged for it after it has been cancelled. SO, I am requesting that the charge be removed and my account be credited for the amount of {$270.00} since I requested the merchandise to be ordered before the merchant even processed the order, etc. I told them I ordered the ring from another merchant, which is my " consumer right to do so '', it's called " Consumer choice ''. I have provided in this correspondence attachments of copies of emails when I ask them to " CANCEL '' the order on XX/XX/2022.