davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I disputed XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported it.
Consumer complaint received 2020-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (LA)

I initially opened an installment loan and got merchandise with this company in XXXX. I made payments on the account up until XX/XX/XXXX. I called in and spoke to a representative on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My balance is not going down even with all of the extra payments that I have been making. I was notified on XX/XX/XXXX that all of my payments were going to a closed account. So i asked " what closed account could they have been going to? '' because i've never had another account. The representative told me that she would escalate the issue and have someone to call me about the problem that they noticed. I never received a call back, so I called to find out if the problem was solved and was told that all of my payments were not reported because they took it upon themselves without my permission to do extensions every month after i made my payments online and without my permission. This company is a total scam, as of today one of my credit reports shows a balance of XXXX and the other XXXX after 4 years of payments. This is crazy.
Consumer complaint received 2020-06-23
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)

XXXX XXXX XXXX XXXX not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. Equifax and XXXX  will not remove the account until XXXX does their part. I have disputed this account several times with XXXX  and Equifax, and both refuse to stop reporting on my credit report. Unfortunately, XXXX has also failed to stop reporting the account, so all 3 parties are currently in violation of consumer protection laws in regards to this account. I am XXXX XXXX, the one reporting this issue on behalf of myself.
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I had been receiving calls from a woman stating she was going to serve legal documents in order to appear in court due to a debt owed to Ace cash express, she left several voicemails to my daughters phone stating she was an independent processor for XXXX county,  never indicating what company she was calling from or what she was calling about. I decided to call the number back on XX/XX/XXXX and got a call back on XX/XX/XXXX I spoke with an XXXX XXXX who stated Ace cash express was a multimillion dollar company and had a lot of evidence against me to file a civil suit against me in order to collect a debt owed for the amount of XXXX, however that they were looking for the amount of $ XXXX, I didnt recognize the account or the amount owed, I asked for a copy of the information to be sent through mail and proof of the debt owed but he told me I only had 24 hours to respond and after that we would have to go to court where I would owe more than {$2000.00}, stated my only options were to pay the debt or get an attorney. He provided an account number and also my personal information, I advised him I couldnt even look into the information because my daughters email was hacked. After speaking with him I looked into ace cash express where I found I did have a previous loan with them for the amount of XXXX. This company completely scammed me, they never indicated where they were calling me from, only stating they were calling from XXXX county about a civil suit, they refused to provide me with documentation of the amount owed and also charged me double the amount owed. Throughout the call I thought I was speaking with someone from XXXX county but then received an email stating it was from port-side solutions, which was never mentioned throughout the call, But then a charge from XXXX XXXX XXXX on my daughters card. XXXX XXXX phone number was XXXX, but Im still not even sure what company he was working for because as I stated he indicated he was calling from XXXX county.
Consumer complaint received 2020-06-23
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. (CA)

I was at the XXXX dealership and when they ran my credit to see what bank would approve me for the loan I was told that I didn't qualify without a co-signer due to an account reflecting badly on my credit history. The account is from XXXX  XXXX XXXX with negative payment history with a credit limit of {$2500.00}. This account is not mine and I didn't give anyone permission to open this account on my behalf. I'm not sure who is responsible for opening this account ; I did not benefit anything from it being opened in my name such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account. I have already filed a police report regarding this unauthorized account.
Consumer complaint received 2024-10-01
Product: Credit 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: CITIBANK, N.A. (HI)

From the year of XXXX to XXXX I have been continuously getting charged by the company " XXXX ''. I have notified my bank Citibank to stop payment from the company XXXX. I had a contract with XXXX from XX/XX/XXXX to XX/XX/XXXX. On XXXX XXXX I notified XXXX through a phone call that I will no longer be renewing my contract which will end XX/XX/XXXX. I was charged XX/XX/XXXX {$XXXX}. On XXXX XXXX I contacted XXXX for a refund and to stop further payments to my credit card and bank account. On XXXX XXXX XXXX I notified my bank Citibank to freeze my account and send me a new card and to dispute the matter. I received no refund. I am a business owner and got distracted from working 6 days, sometimes 7 days a week. I do not check my credit card statements often. 
About every XXXX to XXXX  months I come across more charges from " XXXX ". Again I notify Citibank through phone calls about these unauthorized charges and again I ask them why and what is going on? And again I have to explain the situation all over again. I have all my statements from XXXX showing the charges. I make my monthly payments. I freezed my account since XXXX 6 times. each time getting a new account number and credit card. with reassurance from Citibank that XXXX will no longer get access to my account and I will receive my refund. 
On XX/XX/XXXX They investigated XXXX charge from XXXX for {$XXXX} and found it to be my fault. They refunded it to me at first then reversed it back on XXXX XXXX. I received only XXXX refund. XXXX XXXX for the amount of {$XXXX}. 
I have made numerous phone calls with Citibank and keep getting the runaround. I have recordings of several phone conversations with supervisors reassuring me I will receive a refund, and this matter will get resolved. Which has not. 
Dates XXXX has charged me and received unauthorized payments from my bank : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Total of unauthorized charges : XXXX
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

CASE XXXX. 

I was charged {$1200.00} for an unauthorized transaction ( Money Sent of XXXX EUROS ) in my account on XX/XX/XXXX. Same day, I reported the problem to PayPal and they came back quickly denying the case under the statement that : " After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection '', and closed the case with no more explanations.

I contacted them requesting to re-open the case and they denied it, based on that the operation was consistent with my payment history.

There's is nothing consistent about this transaction : 1- The amount, I mostly used PayPal in transactions under {$100.00}, this operation was over {$1200.00}. 
2- I normally use PayPal to pay merchants or for XXXX operations, this was a SENT MONEY transaction. 
3- This operation was in Euros, I only did US $ operations 4- I  never did any kind of operation with the recipient of this transaction Also, after this operation, there was a try to charge me another {$890.00} but my bank denied the operation, that should turn on a red flag. 

PayPal has no reason to think this is a normal/standard operation in my account ; actually, the should've detected the fraud, denied the operation and contact me. 

Due the Coronavirus situation, it's almost impossible to contact PayPal customer service by phone, and there's only one way to do it, using their Message Center, which I contacted in several occasions, always getting the same result, nothing.
Consumer complaint received 2020-06-24
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. (IN)

XXXX XXXX & Equifax have repeatedly refused to ( 1 ) correct my name. They have been provided with a notarized copy of my State ID and SS card. I have NEVER had a name change. My correct name is : XXXX XXXX XXXX. XXXX, EQUIFAX AND XXXX have refused to remove an erroneous collections account from XXXX   XXXX EQUIFAX XXXX XXXX are in violation of FCRA Section 609 ( A ) ( 1 ) and Section 611 ( A ) ( XXXX ). They have the account as " closed '' and it should be REMOVED completely. 

3. I have only ONE address that should be reflecting on my credit reports : XXXX XXXX XXXX XXXX, XXXX, Indiana Notarized letters have been sent to XXXX, Equifax & XXXX via Certified mail return receipt by the XXXX. I am attaching the XXXX letter that is the same letter sent to all three bureaus.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Andrews & Cox, P.C. (TN)

An agreement was made on XX/XX/2020 through verbally and written agreement. ( see attachments below ) Why is there still a court date? I was told a hearing as not necessary since verbal and written agreement was made on XX/XX/2020. Since then, XX/XX/2020 there have been Constant Harassment by a Private Company Hired By BB & A and XXXX XXXX ( phone calling and constant knocking ) has been ongoing since XX/XX/2020 the date of the verbal and written agreement. The Private company hired by XXXX XXXX and BB & A have attempted to haul my vehicle on XX/XX/2020 at XXXX XXXX. The XXXX XXXX was constantly in the neighborhood making frequent stops to harass persons at XXXX XXXX XXXX XXXX Tn. The employee hired by the Private Company through XXXX XXXX and BB & A attorneys entered my private patio without permission to deliver a warrent from XXXX XXXX and BB & A. The paperwork as left on the patio on XX/XX/2020 at XXXX. He also Threw the court papers inside my car disregarding his six feet distance from me and he was not wearing a mask. There were a lot of rudeness and disrespect by the employee hired by XXXX XXXX and BB & A Attorney. I would like an explanation as to why Court orders were still being filed against XXXX XXXX after the verbal and written agreement and required payments were paid?
Consumer complaint received 2020-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

Fedloan Servicing calculated my PSLF payments to be that of 124 in  a letter dated XX/XX/XXXX. The later states that I need to submit another PSLF APPLICATION FOR FORGIVENESS.

The last and most current PSLF App for Forgiveness I submitted was on XX/XX/XXXX. When I call the servicer I am told that I do not need to take action that this info has been submitted to the Dept of Education for review. The information in the letter and from customer services is inconsistent. 
I have asked for written communication that I do not need to submit the PSLF app and have not received this. The first request I made was on XX/XX/XXXX to XXXX ( employee ID XXXX ) I was ASSURED by XXXX that this email/letter would be drafted and sent within 48 hours. 
On XX/XX/XXXX I received an encrypted email from XXXX, Fed Loan Servicing attacinghin ONLY the letter i already received on XX/XX/XXXX stating i need to submit a PSLF App for forgives. 
Because this information, AGAIN, is inconsistent, I contacted XXXX, ( employee XXXX ), supervisor with Fed Loan Servicing on XX/XX/XXXX. XXXX informed me that the last rep, XXXX, did not submit what she said she would submit. XXXX stated that I do not need to submit a new PSLF App, BUT I HAVE RECEIVED NOTHING IN WRITING. I was assured by XXXX that I would receive communication within 48 hours. 
I have received nothing and there are no updates on my on line Myfedloan.org account. 

I began contacting My Fed Loan in XXXX regarding their miscount of my payments. It has taken them 4 YEARS to count them and they are in agreement that I have made 124 payments. 4 payments over what is needed and yet I can get no written assurance of this. The last payment I needed to make was in XX/XX/XXXX. It is now nearly XX/XX/XXXX. 
This gross mismanagement is negatively impacting my life. I have had to remain working for a non profit and AGAIN need to file my income taxes separate from my husband. Not to mention affecting my credit score and the more than {$1300.00} that Fedloan Servicing owes me for overpayments. 

I can not imagine any other financial agency operating like this. For example, I would not keep paying on my mortgage or my loan until they say to stop, as in when they get around t0 with counting my payments.
Consumer complaint received 2020-06-23
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: SYNCHRONY FINANCIAL (NY)

XXXX XXXX has illegally billed my PayPal account! Again! 
Yesterday - on XX/XX/XXXX - I checked my PayPal Accnt & saw that there were un-authorized charges from XXXX! 


XXXX XXXX - XXXX XXXX - has been BLOCKED to prevent them from billing my accnt! 

XXXX was blocked because of a lot of problems with XXXX! A lot of those problems have been written about in earlier complaints to CFPB!
Consumer complaint received 2020-06-23
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX {$130.00} XXXX {$440.00} CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I BOUGHT SOMETHING ON XXXX.THE SELLER SENT THE PACKAGE TO A WRONG ADDRESS IN MY AREA TO MAKE IT LOOK LIKE I GOT THE PACKAGE.WHEN I STARTED THE DISPUTE WITH PAYPAL THEY AWARDED THE SELLER BECAUSE HE UPLOADED THE TRACKING AND IT SAID DELIVERED.WHEN I CONTACTED UPS WITH THE TRACKING THEY SAID IT WAS THE WRONG ADDRESS BUT COULD NOT TELL ME THE ADDRESS BECAUSE OF PRIVACY ISSUE.I NEED BACK MY MONEY.


!!!!!!!THIS DUDE IS A XXXX DUDE SCAMMING AMERICANS AND PAYPAL IS HELPING HIM!!!!!!!


THIS SELLER IS A SCAMMER. HIS WEBSITE IS XXXX   OTHER PEOPLE ON THE INTERNET KNOWS HE IS A SCAMMER 

LOOK AT THIS XXXX  POST XXXX   AND THIS XXXX VIDEO XXXX IF I DO NOT GET MY MONEY BACK IM SUING PAYPAL
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I sold a virtual account on the mobile game " XXXX XXXX XXXX  XXXX  XXXX  '' to a user ( hereby " XXXX '' ) via Paypal on XX/XX/XXXX for {$350.00} ( {$360.00} with Paypal fees ). On XX/XX/XXXX ( over a month later ), he claimed it was a fraudulent charge on his credit card and Paypal subsequently froze the funds in my account, took money back from the sale, and also charged me a {$20.00} chargeback fee. I have evidence XXXX agreed to the purchase, sent the funds via Paypal, and then confirmed the goods were as advertised. I also have evidence he gave me a perfect review on XXXX   for the sale and utilized the account frequently after the purchase. Screenshots are attached. In the attached screenshots I am " XXXX '' or " XXXX  ''. XXXX is " XXXX '' or " XXXX ''. 

XXXX claiming it was a fraudulent charge is a bIatant lie and he is perpetrating fraud, especially over a month from date of sale. I have tried to call Paypal multiple times and can not connect to an agent. Further, when I try to message them through the message center I get vague responses that aren't helpful. Most of the time I get no response from Paypal. 

Paypal case is the following : Case ID XXXX. Feel free to reach out with any additional questions/concerns. Happy to help in any way I can to resolve this as soon as possible.
Consumer complaint received 2020-06-23
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$3000.00} XXXX XXXX   XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00}
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DC)

I have a mortgage with Wells Fargo. I pay the mortgage by payroll deduction every two weeks of 1/2 the monthly mortgage amount. I entered into a covid19 forbearance agreement to suspend payments for three months. Before the end of the three month period I requested resumption of the payroll deduction payments and I requested that Wells Fargo deduct from my checking account, the amount of all missed payments, plus one extra payment. The same day, I requested the termination of PMI payments. My request was denied even though I am otherwise qualified to have the PMI eliminated. Wells Fargo explained that the forbearance created a one month delinquency on my credit report account and that I must wait 12 months before making a new request. This refusal means that I will pay over {$500.00} in PMI over the next 12 month waiting period.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (AL)

VALIDATION AND CEASE AND DESIST Re : Name : 1st Digital/SynovusXXXX  Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

XXXX XXXX