davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (FL)

Between XXXX and XXXX I was the victim of fraudulent charges on my XXXX XXXX Credit card, each time I was notified about suspicious activity or noticed the fraudulent activity myself I contacted XXXX  Credit card services and notified them. 

I ended up closing my XXXX  account since they were allowing an impersonator fraudster to have access to my credit card by going into a store and by presenting a fakeID and my SSN. XXXX never initially explained this modus operandi to me, they only stated they were going to issue a new card and drop the charges, only after the third round of fraudulent charges and when I pressed them on how this was happening over and over they explained the modus operandi to me. After this was made clear, I asked them to close all my accounts and report all purchases as fraud to which XXXX accepted. 

After this, I got a letter from XXXX stating the report on the fraud charges was completed and that I'm not liable or responsible in any manner. 

To my surprise months later, I started getting collection calls from XXXX and later on by GC Services. In the beginning, I explained to them the whole situation to which they said they were going to make notes on my case. Still, again and again, they keep calling me to collect the debt of the fraud charges. Now I noticed they reported me to XXXX  and my credit score dropped around 100 points. 


I have already spent several hours calling XXXX and XXXX explaining this situation over and over and they always say they are going to fix it, but they never do. I don't know what else to do. 


I want XXXX  and XXXX to inform all debt collectors ( GC Services ) working on their behalf to stop calling me and stop reporting me to credit agencies for fraudulent purchases from which I'm not responsible and make the necessary corrections to these false remarks. 


Report XXXX XX/XX/XXXX Updated Account Information XXXX/XXXX  Remark Added to Account XXXX/XXXX  Thank you XXXX
Consumer complaint received 2018-11-02
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. (AR)

My credit score dropped from XXXX to XXXX with XXXX  ( 62 points ) and XXXX to XXXX with Equifax ( 40 points ) in the matter of two days as a result of paying off a credit card account balance ( which was normally paid off on a monthly basis ) and closing that business credit card account for an entity that was being terminated. I was shocked, and contacted via telephone both XXXX and Equifax for an explanation of such a drastic decline. Both agencies could or would not supply an answer to my question. Both agencies transferred me to different departments for more information. Again, could not get an answer to my simple question of why, for closing an account that was no longer required, my credit score ( which effects even my insurance rates ) dropped so much. The answers where the same form both agencies, they said in essence : " many factors go into determining your credit score and we can not divulge how the score is determined. '' This answer is unacceptable. These agencies set benchmarks for banks, insurance companies, lenders, credit companies to determine what credit worthiness you deserve and your credit score determines what rate you may pay moving forward, even regarding car and house insurance rates. 

As a XXXX year old I've been eliminating my debts and the more I eliminate these credit agencies, with no accurate information on why accounts are closed are penalizing me. This is unacceptable and in a way discrimination against seniors who wish to not have outstanding debt. I have over a half million in bank accounts, and that does not include very positive home equity balance. But now I don't own a credit card ( have bank debit card ) and my credit score dropped like a rock.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

Transactions will disappear from my pending list and I will spend money that according to the bank says I have. Sometimes I forget a transaction here or there, so I rely on my online banking. Then, days later charges will reappear and post and send me into an overdraft. This has been a common occurance for months now and the bank refuses to acknowledge their role in this, making me pay huge amounts in fees.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On, XX/XX/2021, I received an email stating I have been permanently banned from Paypal. The reference number is Ref ID - XXXX. The same day, I contacted Paypal to determine the reason for being permanently limited and the customer representative stated my account was flagged due to a XXXX XXXX note from one of my transactions. I buy and resell sports cards and memorabilia, and have contacted Paypal prior to acknowledging the many transactions that arise on my account. On the same day, XX/XX/2021, I appealed the reasoning and three days later I was denied without any explanation. I have contacted Paypal multiple times and have not been given any information, rather than wait 6 months for my funds to be released. HOWEVER, Paypal is not releasing funds to accounts that are limited but taking your account balance and sending it themselves for violating their user agreement. That is a fact, there are many instances recently of Paypal taking entire account balances. I have over {$44000.00} in my PayPal account. My Paypal account was terminated on a {$50.00} payment that an individual put XXXX XXXX in the notes. I am baffled that a {$50.00} payment justifies holding {$44000.00}, that is someones livelihood. That is my life savings just being held in limbo for 180 days without any assistance from Paypal. It is a pandemic, what does Paypal do with your money for 180 days? Loan Program?
Consumer complaint received 2021-05-26
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)

I XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in fact me that submitted this report and a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Synchrony Bank for the interest I have earned, as a result of Synchrony Bank is trading my securities on the exchange. This has been done with out my knowledge and constitutes that Synchrony Bank trustee listed above is committing SECURITIESFRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current. 

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.
Consumer complaint received 2019-04-16
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: Experian Information Solutions Inc. (NC)

I sent investigation requests in to the credit bureaus back on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2021-05-26
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. (NY)

im writing you guys in regards to all of the fraudulent accounts on my credit report.i am a victim of identity theft. I need it all removed. I've sent a letter to the credit bureaus with all my information and all the fraudlent accounts to be removed.
Consumer complaint received 2021-05-26
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: Better Mortgage, Inc. (LA)

Better Mortgage completed my refinance on my home in XX/XX/XXXX. I received a phone call a month after closing from my loan expert XXXX XXXX XX/XX/XXXX on a recorded line asking if he could have permission to pull my credit report again. They pulled my report back in XXXX, XXXX when I applied. The voice recording will show that I didnt give him authorization to pull my credit report and on XX/XX/XXXX I was notified that my credit file was pulled by Better Mortgage. This was a violation of the fair credit reporting act. I notified the company and spoke with several people that said they were going to get the hard credit pull removed. This hasnt happened and XXXX  and XXXX  are still showing the hard pull on my credit files. I think that Better Mortgage is a very under handed company that pulls some shady deals and should be looked into for violating my rights.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I used paypal to pay for a XXXX  sandwich through the XXXX  app in XXXX. Fast forward to XX/XX/XXXX, my XXXX  account was used in a different state to make two unathorized purchases with my XXXX account. I contacted paypal and provide proof that I was in my home state the entire day and have never been to there other state. They still dienied my claim bevause I had a purchase agreement from the one time I bought a XXXX  sandwich in XXXX.
Consumer complaint received 2021-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Mr. Cooper is my mortgage servicer. Last night they ILLEGALLY and FRAUDULENTLY cleaned my entire account out. The issue occurred on XX/XX/2021. I am actually ahead on my mortgage and this company debited my personal banking account several times last night and cleaned it out putting my account in the negative. This was NOT a legal transaction and this company did NOT have my express permission to do so. Im demanding my money be returned and Mr. Cooper pay closing fees for a new Mortgage servicer of my choosing or I can just take it to small claims court. Ive already submitted a complaint with the FBI and XXXX. Mr. Cooper is refusing to answer their phones and keep hanging up on everyone. THIS IS FRAUD DOWN TO ITS VERY CORE!!
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

I had a XXXX transfer out from Citi account to XXXX XXXX  account on XXXX XXXX  2021 and it shows that money came into my XXXX XXXX  account on XXXXXXXX XXXX 2021. But when i checked into my Citi account on XXXX XXXX 2021, it is showing that this transaction is showing as returned now? 
When i contacted Citi about the same, Citi has the most lousy and useless excuse that after my XXXX XXXX  2021 ACH out transaction of {$2500.00} there was another ACH out transfer or {$200.00} from my Citi account to my XXXX XXXX thus {$2500.00} is returned as at a time there could only be one ACH out transfer. Citi Customer should one ACH out transfer only at a time. 

I checked with my XXXX XXXX account. {$2500.00} was there on XXXXXXXX XXXX  2021 and {$200.00} on XXXX XXXX 2021. What Citi is saying is very confusing and not accurate. 

It doesn't appear that Citi knows even the basics of banking. Overall Citi is too big, inefficient and worst customer service folks. 
Moreover why citi returned ACH out transaction of {$2500.00} and why not {$200.00}? as {$2500.00} was first transaction??? 
Very doubtful actions of Citi. 

I have to do another transaction of XXXX from Citi to XXXX  now. 
When checked with XXXX XXXX, they are also not aware of what citi is doing. 
Moreover Citi never sent me an email or communicate that they are going to do the reverse of any ACH transaction.
Consumer complaint received 2021-04-24
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: T.S. Holdings (TX)

On XX/XX/2017, XXXX XXXX at XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX  and XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

On XX/XX/2021 at XXXX XXXX, I received a notification from my bank ( XXXX ) that my checking account was overdrafted. When I checked my account, there were 3 separate withdrawals initiated by Nationstar DBA Mr. Cooper for {$3000.00} each. That's the amount of my monthly autopayment for my mortgage, which was also withdrawn on XX/XX/2021 as usual. No payments are due or outstanding until XX/XX/2021. 

I called XXXX, they are putting a stop on the withdrawals at their end. 

I called Mr. Cooper/Nationstar, which hung up on me three times. I called their autopay department and left a message. I sent multiple " secure online messages '' via the mrcooper.com website, no one has replied. 

Mr. Cooper has taken $ XXXX of my money without notice or permission.
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

I received notification that this account was added to my credit report. I did not receive a dunning letter. This account says it was opened in XX/XX/2021 and reported in XX/XX/2021. They had plenty of time to notify me of this debt. I want it removed immediately, not sold to another company and returned to its original creditor.
Consumer complaint received 2019-09-06
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: Ditech Financial LLC (FL)

In XXXX of XXXX XXXX XXXX XXXX our mortgage company account number # XXXX gave us emergence relief do to Hurricane Irma for 3 months. After 3 month or on XX/XX/XXXX we started payment again to XXXX XXXX until our loan was approved for modification in XXXX of XXXX. Last payment from us to XXXX was XX/XX/XXXX XXXX.In XXXX of XXXX XXXX sold our loan to Ditech new account # XXXX in the process XXXX XXXX  XXXX did not record our new modified loan. In XX/XX/XXXX of XXXX we started sending our payments to Ditech account # XXXX for 5 months our last payment was sent to Ditech on XX/XX/XXXX. In XXXX of XXXX Ditech sold our loan to XXXX new account # XXXX from XX/XX/XXXX to current. Currently Ditech is reporting to all Credit Bauru we are 180 days late from XXXX of XXXX. This is not correct we were never late on any payments. I have disputed Ditech report to all major credit companies on many occasion without any result. Ditech told me XXXX is the entity responsible for 180 days late payment, when I speak to XXXX XXXX XXXX  they are telling me they have not reported any late payments and it is Ditech problem not XXXX issue.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CO)

I applied for the AAdvantage Citi bank credit card enticed with their XXXX miles offer if one meets terms. I proceeded to apply and then suggested my wife to apply as well. We both were approved and completed the minimum purchase required to get the XXXX sign up bonus, $ XXXX. However, neither received the promised benefit as it seems that we had the same card within their 48 month framework. However, they approved us for the card without mentioning anything about the previous card misleading us to believe that we are eligible for the promotion. It is unreasonable to expect someone to remember what card they opened 48 months ago. They had the info but did not tell us and kept quiet and let me use the card like a fool expecting a bonus. I complained but they feel that they did not do anything wrong or misleading, I beg to differ and any reasonable person seeing that would see the fraud Citi bank is perpetuating on unsuspecting customers. Other banks like XXXX or XXXX for example inform you that you had a card like that before and would not qualify for a bonus. They would INFORM me as is reasonable to expect and not mislead and scam me. If I were to use my other card for the same amount I spent with them I would have received {$300.00} in bonus payout, thanks to their deceptive practice I got nothing.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NY)

Lexis Nexis is giving insurance company false information about my driving record and claims. XXXX XXXX, XXXX and other insurance company has give me quote and reason perium is higher is because of Lexis Nexis false report stating I have violation. I have never had a violation. I ask Lexis Nexis to remove this incorrect information, I was told it was remove but every time I get a new quote the same incorrect information from Lexis Nexis. I call them again was put on hold and no one answered or when the did answer phone worker hang up phone. I have made a report to department of financial services case number XXXX. Department of financial services said  the do not regulate Lexis Nexis and I show write them a letter. This is my last option. I have this problem more than 1 years now.
Consumer complaint received 2020-01-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northwood Asset Management Group (CA)

This is the log that I started yesterday after my first contact with this company. 

XXXX on XX/XX/20 My call to XXXX ( Northwood Asset Management ) I called and spoke with Mr. XXXX XXXX response to two missed calls from him on my work line the previous day ( XX/XX/20 ) when I was not in. He had left a voice message telling me to call him regarding a specific claim number. I told him that I can not receive these types of calls at work and asked what he was calling about. He said it was regarding a loan that was taken out in my name last year. He then said that I needed to pay {$3000.00} to get the claim cleared. I told him I didnt have that kind of money and asked him to send me something in writing about this. I have not received any written communication about this. Mr. XXXX refused to send me anything in writing and said that he could email me something. He threatened to call the payroll dept. at my job and take 20 % of my income until the amount is settled and seemed to be rushing to do this. I asked what other options I had because this did not seem right, then I again asked for something in writing explaining this issue. Right in the middle of my sentence, he accused me of a stall tactic and abruptly hung up on me. That was very rude and unprofessional. Totally uncalled for as I had not raised my voice, called him any names or acted rudely in any way. If anybody was trying a stall tactic, it was him. Hes trying to rush to collect on something that this shady excuse for a company hasnt verified in writing and gets mad and hangs up on me for simply asserting my rights. 

XXXX on XX/XX/20 Call from XXXX This call was received after I repeatedly told Mr. XXXX that I could not receive these types of calls at work and told him not to call me at work anymore. He called to tell me that this was his final call and that due to the lack of contact on my end, they were forced to write me off as a direct refusal for voluntary cooperation. This was after I called and spoke with him that same morning and attempted to get further information on this claim in writing and tried to discuss options to get this cleared. This was after Mr. XXXX hung up on me as I pleaded with him for a workable solution. To say that I refused voluntary cooperation is a completely deceptive and blatant lie. 

XX/XX/20 At XXXX, I filed an online complaint with the XXXX. 
At XXXX, I received another call at work from XXXX after a message was left by Mr. XXXX on my work line yesterday telling me that was his final call. There was no message left from todays call. A blank message was also received on my cell phone shortly before this.