davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (IL)

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a 501 ( c ) ( 3 ) nonprofit organization helping communities via health educational programs, job training and children sports. 

Prior to the 2020 pandemic, many parents had signed up their children for our sports program making payments via PayPal. 

Due to the force of businesses being closed, XXXX informed parents that their children spot will remain as we continue to comply with the pandemic allocated by the state of California. 

On XX/XX/2020, XXXX received a request from PayPal for a refund because one of the parent 's credit card company stated the charge was not authorized and requested {$130.00} and placed a {$20.00} charged back on XXXX PayPal account. This is in reference to PayPal Case ID XXXX. 

XXXX provided proof to PayPal revealing it is an authorized payment and we had informed parents refunds would be processed upon their request in 30 days due to lack of staffing. 

PayPal disregarded our request to refute false claim, immediately gave the parent credit card company {$130.00} and imposed a {$20.00} charge-back fee on XXXX then placed XXXX account in a negative status of {$150.00}. 

On behalf of XXXX, I made several calls to PayPal Collections department to gain an understanding, provided proof that the parent was aware of the charge and the process in place to refund any parents request, to no avail. 

To this date, every parent requested a refund has received it and proof could be provided. We attempted to refund the parent creating the above case, yet PayPal system will not allow it to happen without paying for a {$20.00} charge-back fee. 

As a consumer, we are seeking understanding how this situation is considered as a charge-back. And if this is allowed, meaning parents claiming false accusations and XXXX  are imposed with a {$20.00} charge-back fee? If that is the case, something unethical is not right. A {$20.00} per person is not a lot of money, but when one multiply that by thousands and millions of false accusations, seems more like an unethical profit. 

XXXX is looking forward to your explanation and informing us if this unethical business practices are allowed. And if so, XXXX will appropriately inform parents of the consequences when making false accusations. 

Thank you in advance for your time. 

Best regards, XXXX
Consumer complaint received 2022-07-28
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. (NJ)

15 U.S. Code 1681a - Definitions ; rules of construction : ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

So, if the ( consumer report ) does not include transactions or experiences where does late payments and utilizations come from? 

On XX/XX/2022 I Sent a letter to the Credit Reporting Agency requesting investigation on all Late Payments appearing on my credit file and sent it Certified, Return Receipt Requested. 

I have a letter from the USPS indicating said dispute letter was received by them on XX/XX/2022 They are clearly in violation because, as of today 's date I have not heard from them and when I call they seem to be giving me the run around. 

They have not investigated nothing and it's well past the 30 day period allowed by Federal Law.

Aside from that, as per the above Law sited, late payments should not even be included in a consumer report. 

In any event, as of now they are in clear violation of my Federal Consumer Laws.
Consumer complaint received 2020-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

When my mortgage transferred to from one lender to PHH mortgage. They failed to escrow all my current taxes ( village tax ). That were already escrow. I have called multiple times and finally got someone to look into it. Now they are calling me and refusing to ID the company they are calling from when directly asked multiple time. I was only able to find out what company they were calling from based on reversing the phone number on XXXX. XXXX
Consumer complaint received 2020-06-22
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: CITIBANK, N.A. (AZ)

I filed a dispute with Citibank regarding a charge for {$5700.00} to XXXX XXXX XXXX XXXX in Kentucky. The business installed the upholstery on a classic car. The job was so badly done that within three months the headliner came down, the seams were coming apart, the rubber seals were coming unglued. I informed Citibank that I was disputing the charge in XX/XX/2020. The bank removed the charge from my account while they were investigating. In early XXXX, the bank resolved the issue without informing me of their decision. I called them and sent documents and receipts and photos to support my dispute. I sent them emails and etc which they did not respond to except to call me on the phone that my balance was past due. The bank has also put the disputed amount plus interest and late payment penalty to my account. This was done without resolving the issue at hand. I kept calling the Dispute Department and each time, the phone goes dead. No one answered my call. However, I received another message by email saying that the dispute is still open and so, I replied insisting that they remove the charge from my account along with the interest and late payment penalty. 

In the meantime, I photocopied photos of the shoddy work and the messages that the business and I have exchanged from the time my complaint against their workmanship to the present and sent these documents and photos and receipts by mail to the bank. I am hoping that they have received these documents since they have not obviously read or even viewed the photos that are so evident of the work that was performed on the car. 

I am still waiting. I am attaching copies of emails that the dispute department and I have exchanged in relation to this dispute.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I submitted request to all Equifax, XXXX, and XXXX regarding removing inaccurate items from my credit report. To date I have not received any response, and they are still reporting inaccurate information on my credit report, as they have not provided any information of them removing the inaccurate items from my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (MN)

I took out a loan from MoneyLion via their app for {$500.00} earlier in the spring of this year ( 2019 ). I made payments as scheduled on time automatically until I selected to pay off the balance in full which was around {$400.00}. I went into the app and selected the account ending in XXXX I wanted the payment pulled from. The account the payments were coming out of was MoneyLion 's checking account administered by XXXX XXXX XXXX. I had my other account linked and all was good in the app but the payment did not come out. I called in and they usually have a 20+ minute hold time minimum, so calling in is gruesome. 
I talked to a rep who assured me they disconnected their account and that it would come out of account ending XXXX and resubmitted balance in full, to which it never came out. Fast forward to XXXX of 2019 I contacted them as payments have not been coming out and they stated that the account is not linked to take them, which I was not sure why. 
I then tried to pay it in full again and they said that their system " had an error '' and it " kept trying to take it out of the account that we allegedly unlinked. '' I verified my routing and account numbers for my XXXX XXXX account and the payment was finally taken out for balance in full. 
NOW, fast forward to XX/XX/XXXX they reported me to all three bureaus that I was 30-59 days late on my payments. This may be true on paper but I tried to pay this off THREE times and their system had a " glitch '' or whatever they called it where the payment would not come out. This caused my credit score to  drop 59 points!!! This is unbelievable. I contacted customer service by emailing " XXXX '' to only be told to dispute it with the CRA 's. I disagree, what they are doing should be illegal, its their mistake their system had issues, not mine.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resolve Partners, LLC (NC)

I have been calling Resolve Partners for 4 months now have left messages trying to settle my debt with this company. I called XXXX XXXX and finally got someone on the phone they stated that I would have to call back. Monday that the payment department would be open Monday at XXXX I called the XXXX XXXX and got no answer. So I left voice message as Ive done for the past 4 months and still haven't got a returned phone call. Also called the XXXX and its going to XXXX voicemail which is stating it is full to where you can no longer leave a message.
Consumer complaint received 2020-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (FL)

I previously had taken out two of these loans and paid them off without issue. Each time the payoffs came from my XXXX checking account. This company also charges a membership fee and that charge comes every two weeks. If you do not pay the fee, they freeze your account. This is important because when you take out the loan you only get some of the money, with the rest of the money coming after the loan has been paid off. If your account is frozen, even if you pay off the loan, you don't get the money that is in escrow. 
At some point there was an issue with this membership fee which they acknowledged was their error, yet still they put a freeze on my account. In order to get the account active again I gave payment information for a XXXX checking account that I have. The membership fee was processed and the hold removed. 
I subsequently took out a third loan. Without my permission and despite the fact that I had used the chase account for all loan payments, moneylion begin to attempt to debit the XXXX checking account to pay off the third loan that I took out. I don't keep any cash in that account and consequently I was hit with overdraft fee and seven NSF fees that total over {$270.00}. I asked moneylion to please contact XXXX and let them know that these charges were in error, that way I could recover the overdraft fees. Even though they acknowledge the mistake, Moneylion refused to assist. This despite the fact that I indicated that I would pay off the current loan as soon as they contacted XXXX. When you consider the fact that 45 % of the loan amount is sitting in an escrow account, and the problems that they've created and acknowledge but refused to correct, it seems a little unfair that I would have to bear the financial burden of this shoddy operation.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (CA)

On XX/XX/2023, I wrote a letter to BMW Financial Service to dispute the alleged debt associated with the vehicle in question. This letter was received by BMW on the XXXX of XXXX. In this letter, I requested BMW to provide me in writing a copy of the validation of the debt, as well as, the name and address of the original creditor. BMW has failed to do so within 30 days of receiving my request. On XX/XX/, I wrote BMW Financial Services a follow up letter informing them that their failure to comply with FDCPA 15 USC 1692G has made the debt associated with the vehicle invalid. This letter was received on XX/XX/2023. At that time, I request that remedies be made for their failure to comply with the law to which 15 days have been given to do so. Again, BMW has failed to comply with this request. I am filing this complaint due to BMW inability to adhere to the laws identified by the Fair Debt Collection Practice Act which is reviewed by the CFPB that they report into.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Please be advised that this is my THIRD 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 Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests via certified mail, the unverified items listed below still remain on my credit report in violation of Federal Law. You failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. 

Please remove account PROCOLLECT # XXXX I never had a contract with this debt collector for any debt.
Consumer complaint received 2020-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I added funds to my account on XX/XX/2020 and it shows that they received the money on XX/XX/2020 but the money has not yet been used to pay off my balance. I have called the company to attempt to get this resolved but they have stated that there isn't a person that can do that.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: ALLY FINANCIAL INC. (NY)

I'm writing this review to alert consumers to stay away from this company. I have been a client of theirs for two years. I never missed a payment and never went over the limit. I've always been in perfect standing with them. Today I just so happened to log in to make sure everything was up-to-date and I saw that they had reduced my credit line by {$2000.00}! From {$2300.00} to {$300.00} in the same month, without notifying me. I had to call in to ask what happened and they told me I had to wait to get the letter they sent out explaining why and that I wasn't the only consumer that this happened to. My credit is going to take a major drop now because of them. ABSOLUTELY STAY AWAY. THEY DON'T CARE ABOUT THEIR CONSUMERS AND PROVIDE NO CUSTOMER CARE OR USER-FRIENDLY ONLINE SERVICE.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 Balance - ; XXXX XXXX XXXXXXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$50.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX, 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 ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$50.00} .
Consumer complaint received 2023-03-28
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. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-28
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. (IN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-05-29
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: DISCOVER BANK (CO)

XXXX - repeated issues and internet communication with the XXXX XXXX  AND MALWARE PROGRAM Representatives. 

XX/XX/XXXX - I CANCELLED AND UNINSTALLED THE PROGRAM ON MY XXXX XXXX XXXX. MY LAPTOP WORKED PROPERLY AFTER UNINSTALLING THE XXXX PROGRAM. 



XX/XX/XXXX - I RECEIVED A DISCOVER CARD LETTER DATED XXXX XXXX THAT DISPUTED MY DISPUTE OR MY PROOF OF CANCELLATION AND NO USE OF XXXX. 

XX/XX/XXXX - I SPENT 32 MINUTES TALKING WITH A REPRESENTATIVE NAMED XXXX WHO ANSWERED SOME QUESTIONS ON THE MICROSCOPIC CHARGEBACK OF THE {$130.00} XXXX. SHE SAID " 3RD PARTY ACQUIRORDER AND RECURRING CHARGE. SHE SAID DISCOVER NEEDS CANCELLATION CONFIRMATION FROM XXXX. '' XX/XX/XXXX - I PAID DISCOVER CARD {$64.00}. 

XX/XX/XXXX - MY LETTER TO DISCOVER CARD REGARDING THE XXXX LAB {$130.00} PROOF OF CANCELLATION. 

XX/XX/XXXX - DISCOVER DID NOT APPEAR TO UNDERSTAND I HAD CANCELLED THE XXXX XXXX XXXX PROGRAM. 

XX/XX/XXXX - IT DOESN'T TAKE A XXXX LAWYER TO SEE THIS ITEM WAS CANCELLED!
Consumer complaint received 2023-03-28
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: AMERICAN EXPRESS COMPANY (CA)

This is a complain against American Express. My problem started when I purchased a home located in XXXX XXXX PL, XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with American Express without my consent. I contacted American Express but they dont give me information about the account. They say they dont have information because the account was closed and they gave me the phone number of department of collection of American Express XXXX When I called to that number, I asked them if they have any type of documents signed by me confirming my identity or if they can verify the information of my ID they might have in my profile. I asked them what is the name and the address on the ID. I also asked them in what locations were the card used. 
They couldnt give me the information I requested and did not want to help to confirm the identity of the cards user. 
Im requesting to remove this account opened fraudulently from XXXX, XXXX and XXXX. 
Im attaching a copy of the police report of identity theft, Im attaching my electricity bill from XXXX confirming my address at that time.