davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (FL)

credit discrimination. submitted secured credit application to initiate a consumer credit transaction on XX/XX/XXXX as natural person applicant, 5 USC 551 ( 11 ) Social Security Administration cardholder, beneficiary, 15 USC 1692a ( 3 ) ( 4 ) consumer and creditor. US Bank discriminated my right to extend credit creating a debt, to incur debt and defer payment per 12 CFR 226.2 ( 12 ) ( 14 ) in violation of prohibited basis good faith reliance of Truth in Lending secured right despite request for reconsideration of my unrestricted right of incur debt. US Bank alleges that reason for denial is due to unverified ( unsworn ) claim of serious delinquency too few accounts currently paid as agreed. This is deceptive and unfair practice to discriminate inherent secured right of credit on unverifiable hearsay information. US Bank has used communication means the conveying of information regarding a debt ... indirectly to any person through any medium to state that such consumer owes any debt in violation of FDCPA 15 USC 1692a2 and 15 USC 1692b2. 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is " obtained '' through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific " factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency '' when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX is not neighbors, friends, or associates of the consumer. US Bank discriminated my right to a consumer credit account illegally per 15 USC 1 for 15 USC 1692a3 alleged ( unverified/unsworn ) obligations. US Bank has induced a disability in depriving right to credit despite collateral secured credit application obtained from consumer. see exhibits and bill of particulars for violations of US Bank to assume the role of debt collector. 15 USC 1681 ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers.15 U.S. Code 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I have a right to credit per 15 USC 1602 open end credit plan. US Bank has unlawfully converted this right to credit under color of custom 42 USC 1983 into a privilege subject to a 3rd parties unverified information and credit score.
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2020 I file dispute letters to all 3 credit bureaus I have yet to receive anything from them. I understand with covid goin on things are slow but taking over three months to reply is not accpectable.
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (MD)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2020-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/2020, I made an online purchase from a company that appeared to be USA based. It was advertised as XXXX XXXX. As soon as I sent the payment I received a notification from Paypal that indicated it was to an overseas address. Go to the Paypal site to stop the payment within 30 seconds and it's already been completed. I immediately received a ship notification from the seller. At this point I'm figuring I'm out the {$50.00} I spent for 2 pair  of XXXX XXXX but hold out hope that at least if they are cheap knock offs that they'll fit. At the end of XXXX the sandals arrive and they are not the XXXX advertised, but cheap imitations. AND they are at least one full size too small. So I checked in to a refund. Sure, send them back and we'll refund you. The issue, it is gon na cost me at least {$65.00} to send back a {$50.00} order that was falsely advertised to begin with. I contacted Paypal on XX/XX/2020 to intercede. Over the last 42 days I've had a case open, been in contact with Paypal, only to be told that they can't refund me because it wouldn't be fair to the seller. Really? So they are supporting false advertising and the overseas thieves that take advantage of policies meant to protect honest people. The good guys get the shaft again. I've had trouble with Paypal before on an overseas purchase which is why if I had know this was, I wouldn't have completed the sale. The picture attached is the ad off of XXXX that I purchased from. I went and took a screenshot as soon as I was aware of what was happening at the time of order.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Experian alleged it was not me that filed complaint # XXXX, so they were unable to look into the matter, this is completely a lie, again this is XXXX XXXX XXXX filing this complaint against Experian, do not attempt stall tactics, I certified that it is me and I am authorizing this complaint, pending litigation is my next steps if Experian further delay my request. 


EXPERIAN IS REPORTING 2 ACCOUNTS ON MY FILE THAT IS NO LONGER OWN BY THE COMPANY, I REQUESTED A METHOD OF VERIFICATION FROM EXPERIAN AND GAVE THEM 45 DAYS TO RESPONSE, NO RESPONSE, XXXX/XXXX XXXX AND XXXX/XXXX NO LONGER OWN THE ACCOUNTS, THEY SOLD IT AND TRANSFERRED TO DIFFERENT COMPANY WHO I NOW DEAL WITH DIRECTLY., YOU LIST IT ON MY REPORT YOU MUST PROVIDE ME WITH HOW YOU VERIFIED ACCOUNTS WHEN COMPANY NO LONGER OWNS IT PER FCRA, PLEASE PROVIDE DOCUMENTATION I DEMAND DOCUMENTATION
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I received a fraudulent request for payment in my PayPal account and via email from PayPal which additionally contains a scammer 's phone number to dispute the transaction. I tried to report to PayPal and they provide no mechanism to do so and are thus not taking necessary actions to prevent the use of their systems in this type of fraud. PayPal is allowing their systems to be used for fraud and scams and provide no reporting mechanism or follow up. I tried to contact them via chat and it is a loop with no way to report. I additionally tried following their FAQ to report and it errored out since my account was not directly accessed. 

Here is the text of the email from service@paypal.com XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sent you a money request NOTE FROM XXXX XXXX : quote You Paid {$480.00}. XXXX XXXX XXXX XXXXXXXX thanks For Using PAYPAL, If you have not approved this Order and need this to be Stopped then Put a Dispute on this now XXXX XXXXXXXX quote Payment request details Transaction ID XXXX  ( redacted ) Transaction date XX/XX/2022 Amount requested {$480.00} USD
Consumer complaint received 2020-07-03
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. (GA)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( TU ) Name : XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( XXXX, TU, XXXX  ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( XXXX  ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( XXXX  & XXXX  ) Please remove unauthorized inquiries from my credit file : XXXX   XXXX XXXX XXXX XXXX US SM Bus Admin XXXX XXXX XXXX ( 4 Times ) 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 ( 3 Times ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I have a conventional mortgage with Specialized Loan Servicing ( SLS ) that  includes an escrow component. I never wanted the escrow component but was lied to my mortgage broker ( XXXX XXXX with XXXX XXXX  ) who told me it was a requirement in Colorado. 

Despite holding thousands of dollars in the escrow account, SLS frequently issues demands for additional escrow funds. If you use auto-pay ( as I presume most people with conventional, fixed rate mortgages do ) you have to adjust the auto-pay amount and submit a separate, additional payment to SLS. 

If you do not meet SLS ' demands right away, they will begin charging late fees. Worse, when they do receive your payment, they will misallocate the funds in such a way to keep your account in arrears so they can charge additional late fees. For example, on my XXXX statement, they claimed a total amount due of {$1800.00} which included {$120.00} in fees and surplus escrow demands. I paid the full {$1800.00} but my XXXX statement showed an " uncollected escrow '' amount of {$23.00} and threatened additional late fees. When I finally got someone from SLS on the phone ( never a simple task ), they claimed the {$23.00} was applied to my principle rather than the escrow account. 

This makes absolutely no sense. By misallocating the money they demanded for my escrow account to my principal they were intentionally manipulating my account to keep it in arrears. If this isn't fraud, I don't know what is.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-03
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: SYNCHRONY FINANCIAL (NC)

I opened an account w/SynchronyXXXX XXXX on or around XX/XX/XXXX. I received a notice from Synchrony that my XXXX XXXX account was being transferred to XXXX as of XX/XX/XXXX. But on XX/XX/XXXX I called Synchrony XXXX # as I usually do to make pymts and was advised that they no longer had this account and that I would need to call XXXX ( XXXX ) to make any and all future pymts. I called that number provided and was told by XXXX XXXX customer service member that they did not have any records of my account. Which lead me to call Synchrony once again. This went back and forth with no resolution. At the time I only owed SynchronyXXXX XXXX account {$1100.00}. However, when I checked my credit report, it read I owed {$2300.00} which they now had charged off as of XX/XX/XXXX. I was never notified that this account was charged off prior to me receiving the notice of change in ownership to XXXX. 
Sychrony bank charged off the account yet are still reporting each month to all 3 credit bureaus that I am late every month paying on this account. An account mind you that they no longer have. How can a company report that a consumer is late if they do not have the account, it is transferred or sold, and/or the consumer is unable to make payments to that company? 
Because these creditors pay these credit bureaus, we consumers are at a real disadvantage, and it is making it almost totally impossible for any consumer to have fighting chance to correct any discrepancies. These inaccuracies are causing major adverse effect on my credit report and score, and I have been denied credit due to these inaccuracies. 
I have tried to contact Synchrony Bank directly however, as I mentioned before, I am being told that they no longer have this account and can not assist me in this matter. Therefore, I am writing you in hopes of a resolution.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately 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 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
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I applied for the Chase XXXX XXXX XXXX credit card on XX/XX/XXXX. On this day, there was a banner above the application that read : " Apply by XX/XX/XXXX and receive XXXX XXXX XXXX credits for each night you stay from XX/XX/XXXX to XX/XX/XXXX. '' ( see attached image ) I was approved for this card on XX/XX/XXXX. I called to confirm this benefit, as I had applied by " Apply by '' date, and the Chase representative told me that I will not receive this benefit, as I was not approved until after the deadline. 

Please note, the wording does not have a deadline for approval. It just has a deadline for applying. 

Chase confirmed with me another time on the phone that I will not be receiving this benefit for this reason. I then took the issue up with XXXX, who contacted Chase, and I received an email confirming their stance. ( see attached PDF ) I believe that they're intentionally misinterpreting the wording on their offer. I was going to use this offer with my booked XXXX stays to achieve XXXX XXXX status this year, which XXXX XXXX XXXX values at {$4900.00} ( see link below ), so I believe this is what Chase has effectively cheated me out of. 

link for value of night credits : XXXX XXXX XXXX
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc. (TN)

This is about Prosper marketplace that has a fraudulent account on my credit file Approximately two years ago I started receiving phone calls from this company telling me that I was past due on a debt. I continue to ask the company what type of debt are they talking about and the Company would repeat themselves and tell me that I applied for a loan and I was past due on my payments. Of course I thought this was fraud and they were just wanting information from me however as time goes on I Learned that this was real because they have now placed this on my credit I have attempted dozens and dozens of times to speak with this company however they refuse to speak with me because they say that they have been paid in full by another person however they have still placed this on my credit file. This is against the law what they are doing to me and I am demanding that someone look into this as soon as possible or I will be getting an attorney and researching all parties involved. Companies like this should go to jail. Unethical unprofessional and they just hang the phone up on me when I call this is tarnishing my credit I am in capable of purchasing a house because of this company my life is on hold and I am demanding some sort of answer from this company rather than hanging the phone up on me continuously. I am sick of it absolutely sick of it and I want this removed from my credit file immediately. 
They tell me to provide proof that this is not mine. How in the XXXX can I provide proof that this is not mine when it is indeed not mine? Its like Im having to prove I didnt do something when thats absolutely impossible to do. Any help whatsoever from anyone would be greatly appreciated because Prosper market place is a joke.
Consumer complaint received 2020-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MAS FINANCIAL SERVICES, INC. (CA)

During loan period, lender has charged excessive late fees. There is a 10 day grace period on payments made. Payments are due on the XXXX of each month. Lender has charged late fees on the XXXX day of the grace period, on 4 occasions. Reason I was given for these excess late fees was ... '' your payment is due on the XXXX, not the XXXX. '' I have email correspondence of my and lenders conversations.
Consumer complaint received 2020-08-15
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. (NC)

On XX/XX/2020, my wife, XXXX, used our Citibank credit card, which we are both account holders of, to book a vacation rental for a home in XXXX XXXX, NC through XXXX XXXX XXXX XXXX ( XXXX ) for JXX/XX/2020. That charge for the stay, including taxes was {$4300.00}. There was an additional deposit of {$250.00}. These were to two ( 2 ) authorized charges for our stay and booking. That same day, we noticed that these two ( 2 ) charges were each posted twice to our Citibank account, a minute apart. We immediately contacted Citibank who informed us they were not " holds '' but actual charges. Citibank marked the double charges as disputed and said that they would look into the matter. We also contacted XXXX, which is owned by XXXX, and advised them about the double charges. After repeated telephone calls, the dispute was still not settled and neither company could provided us with a straight answer. During the week of our stay at the beach rental, the owner came to see us and told us that XXXXXXXX  had contacted him and said that he would not be getting paid pending an investigation into us being double charged. It was rather embarrassing. We immediately contacted XXXX, who would only advised that their billing department, who does not speak with consumers over the telephone, was investigating the matter. Citibank, after repeated telephone calls throughout that week, eventually told me that it was obvious that there we were double charged. The customer service representative also stated that we should no longer contact XXXX/XXXX and instead allow Citibank to handle the dispute within seven to ten business days. On XX/XX/2020, Citibank informed us electronically that they had completed their investigation into the disputed double charge of {$4300.00} and {$250.00} was closed and that they had sided with the merchant. This means that the inerrant double charges of {$4300.00} and {$250.00} will be no longer marked as disputed, but posted to our account and left or us to pay. This week, I contacted the NC Attorney General 's Office and included statements and emails from both companies. The NCAG 's Office, agreed that we were double charged, but referred me here since Citibank is a national bank. At this point, we have done all we can do as consumers. We have spend multiple hours on the phone with these two companies. I will attached some emails and statements. Please note that the included statement for Citibank may not include the newly posted, once marked as disputed charges of {$4300.00} and {$250.00}. Our next statement closes on XX/XX/XXXX, which is when the double charges will be officially be posted. It is my hope that someone here can help us in this matter, since our own bank won't.