davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DE)

The company did not provide an explanation for the limitation of my account, limiting itself to referring to the user agreement. She could not answer what actions I had taken could have caused such a decision. Therefore, I believe that this company did not respond to my claim. 
PayPal executive office rely to " high level of risk associated with your Account ''. However : XXXX. My account got only 19 completed orders on this account. 
XXXX. I got 0 complaints for all the time that I use this account. All my customers were happy. 
XXXX. On my previous account I had a XXXX of completed orders. I passed all checks from PayPal and my business wasn't " high risked ''. I didn't change my business since that. 
XXXX. I consulted with PayPal support about my account and actions and there was no problem with my account or anything. 

I'm not sure that PayPal even tried to check the problem closely because they didn't asked me for any documents or proves of fulfilment of my orders. 
I am happy to contribute to PayPal, but they do not give me a single opportunity to exonerate myself. Also they don't give any reasonable explanation for blocking my account.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NY)

There are two issues with my account : 1 ) on XXXX XXXX I was erroneously charged an overdraft service fee tor a debit card charge. 
When I opened the account I opted out of having debit card charges overdraft account as they should be rejected. 
In the past debit card charges that exceeded my account balance were rejected in fact there was a debit card charge rejected on the XXXX so why was I erroneously charged on the XXXX? 
2 ) on XXXX XXXX I made a check deposit of {$100.00} yet on the XXXX this deposit was reversed. I have yet to receive a notice or any information as to why this check was reversed.
Consumer complaint received 2022-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (ID)

I didn't have insurance at the time. and I was told that when I applied for XXXX that it would back pay for the time I went to the doctor and didn't have XXXX, now I'm getting billed for it. Let me know what I can do or who I need to talk to, to resolve this. Thank you in advance.
Consumer complaint received 2022-11-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

in the process of refinancing my loan, of which we fell behind. I sent forms required by the mortgage company, filled them out, sent them ( fax ). this was XX/XX/2022. Mortgage wanted more information and complied three week later. Again in XXXX did not hear from the morgage company. They sent my an email dated the XXXX XXXX stating the process did not go through. I reapplied sending more of my personal information to reopen the refinancing process. First week in XXXX no update status. The mortague company is evaluating what i have submitted. On XXXX XXXX, the mortgage lawyers have sent to the court a citation of forecloresure to the XXXX XXXX XXXX court. This citation was issued when i and the mortgage company were negotiating restructure of my home loan. i owe {$150000.00} to the loan. It is policy to issue a foreclosure during restructure of a home loan? I am not trying not to pay, i want to continue live in our home. I have talked to the loan company, and it was said that the loan restructure is still in place and forclosure was delayed until an offer was given. I have talked to realestate Lawyer to help me in the proceedings.
Consumer complaint received 2021-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

On XX/XX/2021 my XXXX bill was paid off. 
I got a letter from XXXX saying the balance was paid in full and they would report this to all credit reporting bureaus, but on XX/XX/XXXX of 2021 XXXX had supposedly reported to equifax that it was still a bad debt and was not paid according to equifax and because of this my score went down another XXXX points. I then called XXXX customer service that day and they said they would take care of it. I checked my score on XX/XX/XXXX and equifax was now reporting that balance had decreased and was paid in full but under derogatory remarks it was still reading as charge off/bad debt. I called equifax to dispute this and asked how something can be paid in full but be charged off as a bad debt and read a XXXX balance.They continued to blame this on XXXX reporting but my other XXXX credit reports have it reported correctly with no problems. I called again on XX/XX/XXXX because my score continued to drop another XXXX points because of this same issue and the only changes on my report were both positive. The XXXX derogatory remark was now removed but when I called equifax they are claiming although it was removed it is still being reported as a charge off bad debt. XXXX is denying this but equifax is insisting its XXXX  doing the bad reporting. I even sent a copy of the letter that it was paid in full to equifax on multiple occasions but they still refuse to fix the mistake and they continue to lower my score. Equifax even talked me into recently joining their credit repair/monitoring service and I just gave in and joined in hopes that if Im a paying customer maybe they will fix their mistakes but so far this has been to no avail. 
I have XXXX derogatory remarks a 100 % payment history and nothing bad on my report and my score should reflect that. Ive been so frustrated and I feel helpless that not only have they done nothing to help but everything has gotten worse. The people that own the house Ive been renting sold the house and Ive been unable to secure a new place because of equifax. I have done everything in my power that I am supposed to do to improve the situation and so far it has backfired on me! My score now is worse than when I owed!
Consumer complaint received 2021-12-15
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)

HELLO, MY NAME IS XXXX XXXX AND I AM A XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
Consumer complaint received 2022-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Klarna AB (IL)

I purchased two items using Klarna, I was unhappy with both items as they were not as described, however unused. I was told by Klarna and the seller I would be responsible for shipping costs. Upon shipment, I took videos of me shipping the item after hearing multiple stories of poor Klarna experiences. I wanted to ensure I received my refund. I shipped these items in early XXXX, waiting for the seller to receive them. They unfortunately got lost in the mail and the items have not updated through tracking for over a month and a half. Tracking number : XXXX. I explained this to both the seller and Klarna and after two months still have not fully refunded me. I explained to Klarna that the seller blocked my email and stopped responding to my messages, despite this they said there was nothing they could do and eventually if the seller did not send a refund I would have to continue paying. Klarna was aware that I returned the items using my personal funds and followed all instructions they gave and still refused to refund me. In addition, Klarna has poor customer service. All communication regarding these matters have been initiated by me. Klarna has done nothing to contact the seller despite the general understanding that the seller is a scammer and has blocked all communication with me, the customer. Deeply disappointed, however I can happily say I will no longer be working with them. Klarna also states they do not do hard credit checks, yet Klarna only negatively effects your credit. They lie, and do do credit checks and especially prey on youth with little to no knowledge regarding credit.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

was told on hold on XXXX/XXXX/XXXX. on XXXX XXXX XXXX saw my credit report I was 90 days late and owed XXXX dollars. called was told they would call back XXXX hours. wrote called 4 more times. sent payment. requested account be closed in XXXX and XXXX/XXXX/XXXX. they refuse transfer my call 3 times an hour later they claim they will call me back .will not close account, give me my balance or send me a statement. please HELP.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Consumer complaint received 2022-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NV)

o/a XX/XX/2022 I contacted Synchrony Bank about some unusual fees and charges on my account and informed them i was disputing those. I never heard from them until I received a letter indicating that my account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX Ca o/a XX/XX/2022. I received a letter from that firm o/a XX/XX/2022 indicating that they are trying to collect a debit from synchrony bank. I returned the bottom portion of that letter to that firm indicating I was disputing the debit. This firm never sent anything in regards to the debit until I was served with a Summons from the law firm ; this firm has followed proper billing dispute procedures under federal guidelines.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

Hi, I have been banking with Wells Fargo for over a decade. Within the past 2 years, my grandfather started me sending me money in fairly frequent increments. Rather than using a new age, free transfer system, he uses old fashion wire transfers because he is over XXXX XXXX XXXX and this is what he prefers. 

Each time he sends me money, Wells Fargo takes a {$16.00} service fee. Over the past 2 or so years, this has added up to {$490.00} dollars in fees, to run a process with little to no costs to the bank. I asked to have some or all of the funds refunded because these fees are incredibly excessive, but they were unwilling to do so ( they actually were willing to refund some of the money over the phone but then none of the money over email/messages, which shows poor process control and an arbitrary system of refunds ) This feels excessive. They are basically taking money from my grandfather since he is too old to learn how to use new systems. Feels like this matches a pattern that Wells Fargo has exhibited the past few years of taking money from clients in made up fees.
Consumer complaint received 2021-12-15
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. (NC)

Please be advised I have disputed these items on my report multiple times no one has sent me verifying items for these items on my report and it has been more then thirty days please investigate these matters immediately and remove off my report I have not receive any documents within thirty days and thats against fcra policy
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have disputed multiple items on my report a couple of times I have not received no verifying items of these matters in my report and I have seen no letters detailing why these items have been on my report I read XXXX days of not verifying items on my report it has to be deleted
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

US DEPT OF ED/XXXX or XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) I have made the payments every month and each month I get a {$20.00} increase of interest " Balance Increased by {$22.00} '' Graduate PLUS Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details XXXX XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; 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
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-12-21
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 (CA)

I reported three of the transactions as fraud on XX/XX/2019 - XX/XX/2019 XXXX XXXX - {$200.00} XX/XX/2019 - XXXX XXXX XXXX - {$150.00} XX/XX/2019 - XXXX - {$260.00} In fact I was also told on XX/XX/2019 by barclays customer service to send a letter regarding XXXX XXXX and XXXX and state in the letter that these are fraudulent transactions, which I sent by first class mail. 

In the last month of XX/XX/XXXX and XX/XX/2019 I did a lots of transactions with this Barclays Card and gave a lot of business to this credit card and this is what I am getting in return. 

I called today at XXXX XXXX XXXX  time at XXXX to know the status of my fraudulent claims, an American white guy picked up the phone - full of attitude, when I asked him about the status of the claim, this XXXX guy shouted on me and said it can take up to a month, I asked him if you have received my letters sent by first class mail, to which he asked me to place me on hold, and he placed me on hold forever which is continuously saying " Our relationship manager will be right with you ''. 

I made a huge mistake that i started using this card as I did not expect this third class service from this credit card. I will never use this credit card again.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. Listed below are the laws that protect me as a natural person and consumer from the abusive practices exercised by consumer reporting agencies. 
15 U.S. Code 1640 15 U.S. Code 1681 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please remove this inquiry from my credit report.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; 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