davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (TX)

i have been using paypal for over 10 years with no issues, recently they came up with a new product called Paypal balance which is attached to a debit card and can transfer payments from checking or bank debit card. 
i also, noticed you can set it as a preferred method of payment which i did not as i have my credit card on my paypal account as my preferred method of payment and use the PP balance account and its attached debit card for ATM cash transactions only. 
on XX/XX/23 made a purchase transactions using paypal and based on my choice i expected the charge to hit my set preferred method of payment which is a credit card on my paypal account, instead and to my surprise i found out the hard way that money was deducted directly from PP balance account which has my cash set aside for emergencies and groceries when i tried to call paypal and told them that this is not right and they did not have my consent to withdraw from my cash account as i have not selected it for purchase transactions i was fed some mumbo jumbo jebrish talk that did not make any sense! it is the financial entity duty to be honest and candid with their customers and explain how products work in a simple way that the normal person can understand but still i think even with that and from a person who holds a grad degree i thought when i set my preferred payment to a XXXX then my cash account won't be touched
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (CA)

In XX/XX/XXXX MoneyLion was offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : 1. Join MoneyLion 2. Set up a direct deposit of $ 500+ 3. Opt in to bonus 4. Maintain direct deposit for 90 days to get  bonus So, I opened an account with MoneyLion ( offered through XXXX XXXX XXXX, XXXX XXXX, Iowa ) and met all the requirements ( MoneyLion representative enrolled me into the offer over the phone ), but didn't receive a bonus. XX/XX/XXXX I contacted MoneyLion support regarding this issue. I was told it will be resolved in 3-5 business days, but no one actually did anything.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (FL)

XXXX  XXXX a subsidiary of XXXX XXXX  called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I was a resident at the XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2019 to XX/XX/2019 managed by XXXX XXXX XXXX. During my brief time here the property was in consist violations of local and state paste waste removal laws creating an unsanitary living condition. Per the terms of my lease the owner ( XXXX XXXX XXXX ) had the responsibility of keeping the property and premises in a sanitary condition or I could exercise a clause within the lease to terminate without any extra fees as long as I have the property reasonable time to resolve the issue and notified them in writing. I notified the property management of the excessive pet waste on multiple occasions and was never resolved within a reasonable time ( 2+ months ). Due to the lack of attention my maintenance staff and property management I decided to exercise the clause I stated above to terminate my lease. Due to the COVID-19 pandemic I provided them with both and email and mailed letter with my notice of intent to terminate. I also attempted to contact the leasing office on numerous occasions but only ever got to a voicemail and was never able to get any resolution with XXXX Corporate office directly. On XX/XX/XXXX ( due to the leasing office reducing in office hours ) I turned in all keys and moved out of the premises as stated. As the location never provided me a corrected bill with the prorated amount owed I provided them a notice in writing that any bill outlining cleaning charges and rent charges owed could be sent directly to my new address. Since that date I had not received any further communication from the property or any invoices for amounts owed. Instead today I got a letter from a collection company attempting to collect a amount owed that was never invoiced or agreed upon to myself. Based on my monthly rent the amount they are attempting to collect ( {$5300.00} ) is significantly more than any rent amounts owed or cleaning costs that could of occured.
Consumer complaint received 2021-03-25
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. (AZ)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2019-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (RI)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: General Motors Financial Company, Inc. (PA)

GM Financial promotes paperless billing and provides an online and mobile app for customers to access payment information. 
GM Financial online billing and payment history did not ( and still does not ) provide correct information regarding a payment on my account : Payment of {$410.00} made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX statements. 
XXXX online billing and payment history shows XX/XX/XXXX payment of {$410.00} as a processed payment, provides a confirmation number, as well as a green check-mark, just as all other payments that have been made. This payment was actually returned due to NSF from my bank. I did not receive notice from GM Financial. 

This misinformation led me to believe my account was up to date. In reality my account was past due from XX/XX/XXXX through XX/XX/XXXX, and two 30 day delinquent payments have been reported to credit agencies for months of XX/XX/XXXX and XX/XX/XXXX. It also caused continued late fees and interest to build on my account.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My loan has been on Autopay since I first purchased this investment property. We did do a forbearance during COVID. After taking it off of forbearance ( I received threatening calls about taking it off and they pretty much made me do it. However I was financially able to come off of forbearance ). After coming off of forbearance I received a call again from this company saying that I owe them all the money from when I was in forbearance. So this issue was somehow resolved by putting It back on Forbearance then removing it off of forbearance and putting it on the back end of the loan. We went back to Auto Draft as usual. The XXXX payment was taken. ( I was not aware that they never took another payment since XXXX. All my payments for everything including my other two mortgages are on Autopay ). I received a letter in the mail today saying my payment hasn't been made since XXXX and I owe all these fees. My bank account is always with money. I own rental properties. I don't know why they didn't take their money. I was on the phone with a supervisor and the call was somehow disconnected. They never called back. I called back again and now Im still on the phone waiting. Someone just picked up. I have been on the phone a total of 1 and a half plus hours. I am now being told that they will take the payment but will not give me anything in writing stating that this was an internal issue. I have a refinance coming up and the lady just told me this is on my credit report and has been for over a month. She said she will ask for the late payment to be removed and the late fees to be escalated but she dont know what will happen. I just paid my regular payment and I do not trust this predatory company after all I have been through with them during COVID there is no telling how many other people they have done this to to try and get extra money.I want the late payments removed and I want those fees waived this is not my fault and I have gotten my attorneys to look into this with the intention of filing litigation.
Consumer complaint received 2019-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

I am XXXX and I have been in serious of car accidents.I have almost been XXXX and XXXX by a dog. I fear driving on the highway. This bank, PNC Bank, is conveniently located in XXXX, NJ. I did nothing too them and my banking access online is revoked. I also have a POD banking account with my father that I am not given information about. 

I believe that this company is XXXX towards dark skinned women. This is the first time that I ever had a problem with my checking account. What is he looking for to unrevoke my account? How do I unrevoke the account? What is required to unrevoke the account? 


I am XXXX and have difficulty getting across the bridge to my other bank every week. I fear of another accident. Could you tell them to grant me access to my online bank account.I did nothing to them. Additionally, someone is hacking my checking account. Are they able unrevoke my checking account? This could affect my credit score. I am in the process of moving, buying a house and a new vehicle, Right at this point, I feel that this company is being discriminatory against me for no reason.They have no explanation given. They did not allow me to explain my side of the story. This is the first time, in 20 years, since completing my education and opening this checking account, that this has happened.
Consumer complaint received 2021-05-28
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. (IL)

I checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking XXXX, XXXX, and Equifax to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to XXXX, XXXX, and Equifax showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and removed.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (TX)

I have a signed legal deferment document from SST/XXXX   for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' SST/XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX 's results corrected the XXXX payment and updated it to " paid-on-time. '' XXXX  's results denied my request and the XXXX payment stayed as " 30-days-past-due. '' XXXX  results not only denied my request but it now  also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( XXXX, XXXX  ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
SST/XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " SST/XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2022 at around XXXX I received a call from my realtor stating she had received a phone call from someone at the electric company stating they were getting ready to shut off service. She provided me with the phone number of the service man XXXX and the number I could callback to make payment which was XXXX. Upon speaking to the representative XXXX XXXX at XXXX XXXX  I was advised the balance of {$990.00} needed to be paid in order for me to not get shut off. I started crying and told him I had no mean to pay that whole amount at the time. He stated I could pay {$490.00} to avoid disconnection. He directed me to pay via XXXX through my banking institution and asked me to type the XXXX recipient as XXXX XXXX. He asked me to send proof of payment to a number XXXX and then to another XXXX. Upon receiving that payment he stated that he couldn't stop disconnection and that I needed to pay the additional {$500.00}. I went ahead and paid the {$500.00} balance via same method. 
On Monday XXXX when I checked my electric billing account, I didn't see the money deducted and I immediately called XXXX whom informed me that they never called to collect payment. They advised me to call my bank and file a claim. I called my banking institution and filed a claim which they have denied due to the fact that they payment was made with XXXX and they claim they can not get the funds back. When I checked my banking institution the XXXX recipient appears as a XXXX with a phone number of XXXX. 
I have filed a police report.
Consumer complaint received 2021-03-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Risecredit, LLC (UT)

Received a phone call today from rise never opened a rise account they were calling to collect payment I informed them that it wasnt my account that I would be falling filing a fraud with a police report they would not give me account number or an address that they had listed for me but yet they wanted money for me
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

I paid off my Citi card in XX/XX/2018. I am enrolled in paperless statements. There was a {$23.00} charge in XX/XX/2018. 

I have not received ANY statements from them until this morning, when I got a notice saying that my TWO accounts with them ( I only have ONE account ) were four months overdue. And they are charging me more than {$400.00} for that {$23.00} charge. 

I can not access their messages to me on their web site ; the system freezes and then I am locked out. 

I want those exorbitant charges removed. There is no way I am going to pay more than 1000 % interest on that tiny amount.
Consumer complaint received 2021-05-28
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : 09 XXXX XXXX APARTMENTS ) XXXX ... XXXX XXXX XXXX Original Creditor : 01 XXXX  ) 1103****that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX I spoke with XXXX in regards to the late fees associated with my account. I was told to reach out to the credit bureau to remove those late payments from my credit report. It clearly states on the website of my Victoria secret card that I can call them regarding issues with financial issues during this pandemic. 

Then I called the number and spoke to XXXX and was referred to contact the Credit Bureau. This was odd to me because in the past I was taken care of by my creditor directly. 

I have Late payment fees and negative credit reporting statuses for XX/XX/17, XX/XX/17, and XX/XX/17. This was all associated with my loss of income due to COVID 19. I would like those payment statuses removed from my credit report because it is negatively ruining my credit score.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (DC)

This complaint is regarding Credit Control Corp. On my credit reports this debt collector reports the original creditor as " XXXX XXXX XXXX. Anyone who sees this can XXXX it and see that the XXXX XXXX is " ... a drug rehab center located in XXXX, VA, offering evaluation, detox, partial hospitalization and IOP addiction treatment. '' This is a violation of my HIPAA rights because it allows anyone that pulls my credit reports to made a determination of my medical diagnosis.
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-05-12
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. (LA)

I have tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus!

They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and nothing has been done!